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The buy-in approach has the net effect of shifting title each time a mortgage payment is made. The initial consideration fixes the title as community or separate. The later payments alter the title. When the buy-in approach is not used, the creditors cannot levy on the debtor spouse's right to reimbursement until the debtor spouse could exercise that right. The right would generally be executed on dissolution of marriage. When the buy-in approach is used, the creditors can reach the debtor spouse's interest immediately.

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