代替没收契据（Deed in lieu of foreclosure），又称为回赎权取消契约、赎回权替代契约，是抵押人（即借用人）让渡所有不动产利益给抵押权人（即出借人），以清偿一笔拖欠的贷款，并避免没收进程的一份契约文书。

代替没收契据提供数个有利条件予借用人和出借人双方。对出借人的主要优点是，它立即把他/她从与拖欠的贷款有关的人身债务中解脱出来。借用人也避免没收进程的公开臭名，并可以收到比他/她在正式的没收中更宽宏的期间。对借用人的另一个利益是，它损害其信用少于没收。对出借人的有利条件包括取回时间和成本的减少，借用人报复（在县司法官逐出前财产的本质失窃和肆意破坏）的较低风险，以及另外的有利条件是如果借用人随后申请破产。

A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings.

The deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. The borrower also avoids the public notoriety of a foreclosure proceeding and may receive more generous terms than he/she would in a formal foreclosure. Another benefit to the borrower is that it hurts his/her credit less than a foreclosure does. Advantages to a lender include a reduction in the time and cost of a repossession, lower risk of borrower revenge (metal theft and vandalism of the property before sheriff eviction), and additional advantages if the borrower subsequently files for bankruptcy.