Why does the law teach stand outside and let a man you are lending to bring the pledge out to you rather than you go in and get it?

Answer From The Annual Reading Schedule - Week 47 Notes For Deuteronomy: This is a sign of respect toward the poor man. Going into his house to get the pledge is more of a "demanding" way to get the pledge. Standing outside and waiting for him is less oppressive feeling and more humble and polite, and does not come across as being invasive, overbearing, or belittling the value of the poor man just because he is poor. Going in without being invited could come across as treating him as if you have rights to his home and all he owns just because he is poor and in debt to you.