Positive Mitzvah 142: Collecting Loans given to non-Jews
Deuteronomy 15:3 "You may collect from the foreigner"

HaShem wants us to be careful not to be attracted to the lifestyle of non-Jews who worship idols. Our interaction with them should be formal and businesslike, without showing them special considerations.

Therefore, loans that have been given to a gentile should be collected despite the Shemitah year.

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You may ask, "Why must I study and learn? Is not the truth already within me?" The truth is locked within you, deep in slumber. It is awakened and liberated by the truth that comes from without.

From: Bringing Heaven Down to Earth by Tzvi Freeman - tzvif@aol.com