Mesechet Gittin: Annulling Loans During Shmita
The Talmud (Gittin 37b) quotes a mishna in Shivi’it (10:8) that states that when a person attempts to return a debt during Shmita, the creditor should say to him “I annul it.” But if the debtor says, “Nevertheless, I wish to return it,” then the creditor should accept the payment. The Gemara goes on to say that the debtor should be encouraged, or perhaps even pressured, to say “nevertheless” and to return the loan.
