6. But at the time of repayment, they will ask for more time, and they will speak annoying and complaining words, and they will make excuses for the time.
7. Then, if he is able to repay, he will turn away. He will pay barely one half, and he will consider it as if he had found it.
8. But if not, then he will defraud him of his money, and he will have him as an enemy without cause.
9. And he will repay him with accusations and curses, and he will repay him with contempt, instead of with honor and kindness.
10. Many have refused to lend, not because of wickedness, but because they were afraid to be defrauded without cause.
11. Yet truly, be more steadfast toward the humble, and you should not delay in acts of mercy toward them.