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Proverbs 22:27

King James Version (KJV)
Adam Clarke
Bible Commentary

If thou hast nothing to pay - Should any man give security for more than he is worth? If he does, is it not a fraud on the very face of the transaction?

Why should he take away thy bed from under thee? - The creditor will not pursue the debtor whom he knows to be worth nothing; but he will sue the bail or bondsman. And why shouldst thou put thyself in such circumstances as to expose thyself to the loss even of thy bed?

Albert Barnes
Notes on the Whole Bible

He - i. e., The man to whom the surety has been given. The practice of distraining for payment of a debt, seems, though prohibited Exodus 22:27, to have become common.

Cross References