Cash-for-Keys Negotiation Attorneys

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Mortgage Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

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Cash-for-Keys Mortgage Negotiations


The need for a Cash-for-Keys negotiation attorney may arise if you are a tenant living in a home that has been foreclosed, or are a homeowner in default on your mortgage loan payments that wants to turn your property back over to your lender and want to make some money by doing so.  If you don’t want to or are unable to sell your property – either as a short sale or a deed-in-lieu of foreclosure, – you might want to look to into hiring one of our mortgage relief attorneys, as a way of trying to benefit from your foreclosure. A Cash-for-Keys negotiation can be done as part of a Deed-in-Lieu-of-Foreclosure negotiation or separately.  An adequately negotiated Cash-for-Keys arrangement means your lender will pay you AND waive the past due amounts or deficiency balance of your mortgage loan if you vacate your property by a specific date.  In addition to getting you paid by your lender, by wiping out the fees and deficiency balance, it can mean cash in your pocket and savings from several thousand to upwards of hundreds of thousands of dollars in savingsAn experienced Cash-for-Keys attorney can be worth their weight in gold!

We could negotiate a Cash-for-Keys exchange for you if:


  • You are in foreclosure,
  • You have tried to sell your property and can’t
  • There is a sale date set
  • Your home did not sell at auction
  • Your home sold at auction

We can negotiate a Cash-for-Keys exchange before or after a sale date – but you can’t delayTypically the sooner you act, the more money we could arrange for you.

Why You Should Hire an Attorney for Cash-for-Keys Negotiations


A Cash-for-Keys exchange can benefit both you and your mortgage lender for different reasons!

For you, if you’re going to have to leave anyway, why not get paid some money?  You would be released from the obligation to pay your mortgage loan, and the past due amount owed, if any, would be forgiven.

For your lender, they’d rather you pay them or sell your property, but if you’ve been unable to do so or don’t want to, it usually makes sense for them to avoid having to foreclose and avoid the attorney’s fees associated with foreclosure.  If you have recently had a sale date and they now own the property, they will want you out.  If another party bought your home at auction, then the new homeowners will want you out.  Both your bank or the new owner will have to evict you from the property, and that costs even more money.

In addition to legal and eviction costs, many homeowners facing imminent foreclosure tend to feel that they were mistreated through the foreclosure process as many try to do everything possible to save their home to no avail.  This anger is sometimes released in the form of physical damage to the home which could cost the bank or new owner thousands of extra dollars in repair costs.  Rather than risk damage or vandalism, the Cash-for-Keys is an effort to help make the process easier to swallow and additionally requires the property be left in “broom swept” condition to receive the cash in exchange for vacating the premises.  Broom Swept condition helps ensure to the bank or new owner that the property is in good enough shape to be turned over as there is an inspection involved in a Cash-for-Keys deal to ensure the home wasn’t stripped of fixtures, piping, or electrical lines, appliances, and hasn’t been vandalized.

Simply put, for the bank or new owner, It is merely a matter of losing less money by paying you to leave – and that’s where we come in. 

There is a fine line between a successful Cash-for-Keys agreement and not getting a penny from your lender or the new homeowner.  Try to negotiate for too much, and you’ll get denied and may not get any offer in return.  Negotiate for too low of an amount, and you could leave tons of extra money on the table.  When we negotiate, we have the experience and know how to help reach as high of an amount as possible for your Cash-for-Keys deal!

 Benefits of Negotiating Cash-for-Keys

Avoid Eviction

Instead of waiting for your bank or the new homeowner to foreclose and evict, in order to move forward with your life, you can be proactive.

Save Money

Your lender will not only pay you but will also waive the past due amounts or deficiency balance of your mortgage loan.

Make Money

If you are going to be evicted at some point anyway, you should get paid and make it worth your while.

View Real Results from Cash for Keys Deals We’ve Negotiated



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If you have been unsuccessful in attempting to Short Sale your property or in negotiating a deed in lieu of foreclosure, one of our Mortgage Relief Attorneys may still be able to help.

We can evaluate your case and see if maybe there was a slight error on your part that caused your denial, and can then resubmit a request for you properly.

Alternatively, if your lender denied you even though your proposal was accurate, then perhaps instead we can help avoid foreclosure with either our Foreclosure Defense Litigation, Short Sale Negotiation, or Deed in Lieu of Foreclosure Negotiation Services.

How Dramer Law Handles Cash-for-Keys Negotiation Cases

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Free Consultation, Fact Finding, & Financial Analysis

When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing.  Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes unturned.  Any representative that will speak with you will have a minimum of 10 years experience

We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to what you can afford.  This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to succeed.


Full Disclosure, Recommendation, & Customization

There are multiple options for each problem we encounter so based on your analysis; we will then tailor fit the best option to the individual needs of your budget.  We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save.  Nothing will be hidden from you as we are a full disclosure law firm.

Our Relief Specialists are NOT Paid a Commission so there will be no sales pressure at our law firm.  There is no obligation to retain our services.  You will be given all the facts you need, and then you will be given plenty of time to think things over.  Debt relief is an important decision, and we won’t rush you!  We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line!

Limited Power of Attorney & Authorization to Communicate
Lenders are Sent Notice of our Representation

Once retained, we immediately send a copy of our Limited Power of Attorney to your mortgage lender, their debt-collectors or attorneys.  Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving.  We do not want you to be harassed – we’ll take over the calls for you.

The Fair Debt Collection Practices Act (FDCPA)

Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf.  Failure to do so is a violation of the FDCPA, and we will sue them for you.  There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you.  It’s basically free money!

We Get the Job Done!
We are Incentivized to Perform

Our Cash-for-Keys negotiation services are offered on a contingency basis, so you only pay us if we’re successful.  This ensures we are incentivized, so you’ll know we have your best interests in mind.   We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you.  You pay for our performance – and that’s what we do – we perform!  We never agree to anything without first consulting with you and getting your approval.  It is your home and your money, so you have the final say in all of our negotiations

We Work Efficiently & Quickly

The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY service we offer from negotiations to litigation to bankruptcy.  We work quickly on your behalf as the longer you delay with a Cash-for-Keys negotiation, the less you will get paid.  We will be in touch with you throughout the process to keep you informed and are available when you need us.

Why Choose Dramer Law for Your Mortgage Debt Relief Needs?

Debt is Our Specialty

Other companies and law firms offer debt relief – we specialize in it!  We do not offer any services that aren’t strictly related with clients that are struggling financially so our clients have unique needs, compared to those of other law firms, that we can cater to.  We offer all debt relief options and we service our clients like family.  You should never settle for less when trying to settle for less!

Lower Fees

Since our clients don’t have tons of money to spare like attorneys that practice in other areas of law, we charge low fees making our services affordable for anyone that needs help.  Unless your case involves one of our attorneys having to go to court, our negotiation service fees are flat fee based not charged hourly.

One on One Client Service

All of our client relationships are One on One.  You’ll have one individual client service representative that will be your point of contact and you’ll build a relationship with them so they’ll know exactly what you are going through.  Aside from treating you with the upmost care possible, this means you won’t have to deal with multiple people and re-explain your situation to a different person each time you call.  This saves time for you and eliminates any extra stress for you as time is money and being stress free is just as important as being debt free!

Client Service Response Time

All of our attorneys, paralegals, and negotiators are dedicated to providing the best possible experience, while achieving results.  We are available long hours but should we happen to be unavailable for any reason we pride ourselves on returning calls and emails right away, not several days later like most attorneys.

Our Reputation

Many companies do nothing for the high fees they charge.  We have heard many horror stories.  These companies aren’t proactive, they put no effort into negotiations, they don’t even return your calls let alone calls from collectors!  These actions cause collectors to seek other measures to collect, often meaning lawsuits.   We typically work repeatedly with the same companies and are known for resolving accounts so therefore have a great reputation with industry lenders and collectors.  This benefits you when we contact these companies on your behalf, they know the accounts will get resolved and therefore we are usually able to avoid legal action!

Other Services

Many times, when we complete a successful Cash-for-Keys negotiation for one of our clients, they still need assistance with other areas of their financial life.  We offer many other services for those struggling with debts including Business Debt Relief, Consumer Debt Relief, Tax Relief, & Student Loan Relief.  When Debt is the Problem – We Have the Answers!

Client Testimonials

The court proceedings were annulled, and agreeable working terms were consolidated with my creditors

“Having to deal with a debt collection and settlement situation is a scenario that can certainly occur to anyone, irrespective of their station in life or how judicious they might have been in managing their finances. I was very ill-prepared to deal with this situation when it confronted me. By shear chance, pretty much stressed out on my options, I stumbled on on my very first internet search. This was indeed my first port of call; I talked to Michael and I had the gut feeling I could work with them. I have not only been happily surprised, but very satisfied with my collaboration with Dramer.  Michael, my principal liaison from day one has been very professional, available, applied, assiduous, and reassuring throughout this relationship; it is hard not to state it in such glowing terms, when it is what it is. From communications via phone calls, faxed messages, and e-mails I was able to receive and transmit all the paperwork relevant to my case. The court proceedings were annulled, and agreeable working terms were consolidated with my creditors. Equally appreciative is the post-resolution services and relationship that Dramer offers. Please give Dramer a try and I’d bet you will express your satisfaction in even more glossy terms.”  N.T. Oneaonta, NY.  12-22-2017

I wouldn’t go anywhere else.

“The Law Offices of Kenneth H. Dramer are extremely knowledgeable and dedicated. They completely turned around a very trying situation for me. I had a million questions and was pretty lost about what steps I should take next and Mr. Sininsky, quite patiently explained everything to me. I wasnt even their client at this point and they were already going above and beyond. I didn’t feel rushed or like I was being blown off. It was that unfront honesty and eagerness that sealed the deal for me. Once hired the process was thoroughly explained to me and it was about as effortless (at least on my end) as humanly possible. Mr. Sininsky was personable, honest, deligent, and stayed in communication with me every single step of the way. I never felt at anytime like I was getting less than 110% from them. If I have any other legal issues that fall within the area in which their office practices, its literally a no brainer for me, I wouldn’t go anywhere else.”  Teresa J.,  Bronx NY.  12-14-17

Very sharp and on point. Their price is very reasonable.

“Like most people bankruptcy never crossed our mind. My husband and I owed  a lot  of debt due to closing of our business, but we still tried to payoff debtors little by little. Until we got hit with a summons from the court ( for over 100K lawsuit). We research all over the internet and called many law firms and layers. Many of them ask what we want to do?.. We wouldn’t of call if we know what to do. And some offered hardship /debt relief or settle your debt for less.. no matter what you call it at the end you still have to pay  the creditors, the debts collectors and the lawyer. In our case there is no way we can payoff everything. Many random phones calls later, we were fortunate to come acrossed Mike, he has explained  to us bankruptcy doesn’t  mean we will lose our house or car.  As couple we are able keep certain amount of assets. We were also worried about our credit score, the bankruptcy record will stay in your record for 7 years ( our score were poor anyway).  There aren’t that many reviews on the internet about them and like most people we’re not sure if we can trust them.  Give Mike a call and a chance, his very sharp and on the  point. Their price is very reasonable.  Bankruptcy was the best choice we made and the cheapest way out. Now half year later we are debt free, no need to worry from phone calls from debts collectors.  Get to keep our house and car, even our credit score went up.  Don’t understand why we didn’t  do it  sooner I guess we were like a lot others  going day by day try to be nice by paying off little by little.  Thanks!”  JC,  Queens, NY.  7-7-2017

They were extremely professional and made the process easy

“The Law Offices of Kenneth H. Dramer P.C Attorneys at Law were efficient in handling by bankruptcy case. They were extremely professional and made the process easy! I highly recommend them.” – Jamie M.  Seaford, NY 5-30-2017

They're highly recommended

“They were very helpful. They were able to reduce the money I owed to less than the original amount. Mike handled my case, he’s very professional and efficient, he made sure I understand the whole process, any questions I have are answered promptly. They’re highly recommended.” Rodolfo P.  Queens, NY   6-27-2018

It has been an absolute pleasure working with you

“I just wanted you to know it has been an absolute pleasure working with you. You never made me feel harried, pressured or overly anxious about paying off my bills. I wish everyone would be like that.  Thank you again & i hope you don’t mind if i touch base with you the future, just to give you updates on how things are going.  Be well.”  Mary R.  Bayshore, NY  4-30-2018

I would highly recommend Dramer Law for your debt settlement needs

“I would highly recommend Dramer Law for your debt settlement needs.  A few years ago my husband and I had accrued entirely too much debt and no matter how hard we worked or how much we tried, we were unable to keep up with our bills and making the minimum payments was getting us nowhere.