<?xml version="1.0" encoding="utf-8"?><!DOCTYPE Zthes SYSTEM "http://zthes.z3950.org/xml/zthes-05.dtd">  <Zthes><term><termId>31318993</termId><termName>foreclosing</termName><termType>PT</termType><termNote><![CDATA[ Proceeding against a property owner who has failed to meet the obligation of a mortgage loan or other liens like tax liens; used to force the sale of the property to pay the debt. ]]></termNote><termCreatedDate>2026-03-30 20:25:56</termCreatedDate><relation><relationType>UF</relationType><termId>31318994</termId><termName>foreclosed</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31318995</termId><termName>foreclosure</termName><termType>ND</termType></relation><relation><relationType>UF</relationType><termId>31318996</termId><termName>foreclosure sales</termName><termType>ND</termType></relation><relation><relationType>BT</relationType><termId>31305325</termId><termName>legal functions</termName><termType>PT</termType></relation></term>  </Zthes>