Quoting%20commentary for Ketubot 137:4

אי כתיבנא ליה משכנו אי שלח לי דאין מוציאין כל שכן מכרו אי שלח לי מוציאין אכתי מכרו קא מיבעיא לי אכתוב ליה שיעבדו דמשמע הכי ומשמע הכי

If I were to write to him, “pledged” then if he sent in reply that “they may not seize the estate” this ruling would apply with even greater force [to the case where] they sold it. Should he, however, send a reply that “they may seize it,” I would still need to ask about a case where they sold it. I will, therefore, write to him, “encumbered” which might mean the one as well as the other.

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