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19.6.16

Introduction: You have a lender and a borrower. The borrower had a field at the time of the loan and bought another field later. There are two buyers of the fields. The lender does not pay. He defaults.
The lender gets his loan paid by the first field and the buyer of the first field gets his קרן (the amount he paid) paid back by the second field. Tosphot asks: Why is there a second field? The second answer of Tosphot is the first was made a guarantee for the loan. The old Tosphot answered because the lender already collected his שיעבוד ("Obligation.)" That is to say at the time the loan was collected there was no second field. The borrower bought it after part of the loan was collected. The old Tosphot holds the lender at that point can not keep on collecting any and all property until the loan is paid


The idea here is that the lender gets paid back by property that the borrower owns at the time of the loan. That is even if the borrower sold the property. This has an equivalent in modern day law. You look when you buy a home to make sure there are no previous obligations on the home. You hire someone to do a background check.

But furthermore in the document of the loan usually it is written "all property that I will buy in the future will be subject to this loan---to pay it back in a case of default." [What if this was not written? That a different subject.]

Why I bring up this subject here is simply because the first answer of Tosphot holds the lender must go after the first field. So in terms of this law we have a מחלקת ראשונים and argument--which field must the lender go after? [In my notes  I wrote the possibility that this is related to an issue of when one borrows and then borrows again from someone else and then buys a field]
The older version of Tosphot is brought in the Maharsha. It comes from something called "תוספות ישנים" which is an older version of Tosphot before the editing process began the the 1200's. We do not have  a lot of these. You can find them mainly in Yevamot. But the Maharasha found one that applies to our case.


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 בבא מציעא י''ד ע''ב.  There is a difference between the answer of תוספות about אפותיקי and the version of the תוספות ישנים that says there is a second field because the lender already took his שיעבוד. The answer of  תוספות ישנים is that there is a second field because there was only one field at the time the loan was collected. Then the lender bought another field. Then the first buyer collects from the second field. According to this if there had been a second field that was bought later the lender would have had to have gone after it. That is the exact same idea as the second answer of תוספות about the אפותיקי. There also the only reason the lender went after the first field was because it was made a guarantee for the loan.
Therefore in terms of law about which field the lender must go after the second answer of  תוספות and the  תוספות ישנים hold the lender must go after the second field, if he can. But the second answer of תוספות and the  תוספות ישנים will differ in the case that the lender has already collected part of his loan. The  תוספות ישנים holds once he has collected any part of his loan according to the circumstances at the time, then he can not collect again. The second answer of תוספות about the אפותיקי holds he could continue to collect.


 בבא מציעא י''ד ע''ב. יש הבדל בין התשובה של תוספות על אפותיקי ואת הגרסה של התוספות הישנות שאומרת יש שדה שני כי המלווה כבר לקח את השיעבוד שלו. התשובה של תוספות הישנות היא כי יש שדה שני כי לא היה רק שדה אחד בזמן ההלוואה נאספה. אז מלווה רכש עוד שדה. ואז הקונה הראשון אוסף מהשדה השני. לפי זה אם היה שדה שני אשר נרכש מאוחר יותר המלווה היה צריך ללכת אחריו. זהו הרעיון בדיוק כמו התשובה השנייה של תוספות על אפותיקי. שם הסיבה היחידה שהמלווה הלך אחרי השדה הראשון היה כי הוא בוצע ערבות להלוואה. לכן מבחינת החוק, התשובה השנייה של תוספות ואת התוספות הישנות מחזיקות  שהמלווה חייב ללכת לאחר השדה השני, אם הוא יכול. אבל התשובה השנייה של תוספות ואת התוספות הישנות תהיינה שונות במקרה שהמלווה אסף כבר חלק ההלוואה שלו. התוספות הישנות מחזיקות שאם  פעם אחת המלווה אסף  חלק של ההלוואה שלו בהתאם לנסיבות באותה העת, ואז הוא לא יכול לאסוף שוב. התשובה השנייה של תוספות על אפותיקי מחזיקה שיוכל להמשיך לאסוף.