Passage
Take his garment, when a stranger hath been surety, And for a strange woman pledge it.
Proverbs 27:13 (YLT)
Nearby Context
Proverbs 27:11 Be wise, my son, and rejoice my heart. And I return my reproacher a word.
Proverbs 27:12 The prudent hath seen the evil, he is hidden, The simple have passed on, they are punished.
Proverbs 27:13 Take his garment, when a stranger hath been surety, And for a strange woman pledge it.
Proverbs 27:14 Whoso is saluting his friend with a loud voice, In the morning rising early, A light thing it is reckoned to him.
Proverbs 27:15 A continual dropping in a day of rain, And a woman of contentions are alike,
Study Lenses
The verse centers on "take", "garment", "stranger", "hath", "been", "surety", and "woman". It is saying that the verse draws attention to "take" and "garment", so its meaning should be read from those terms before moving to application.
The nearby context moves from verse 12's "The prudent hath seen the evil he..." into verse 14's "Whoso is saluting his friend with a...", so "take" and "garment" belong inside that flow. In Proverbs context, the local focus is covenant, worship, and faithfulness.
A plain takeaway is to answer the verse's own emphasis on "take" and "garment" with trust shaped by these words, not by a vague optimism outside the passage.