In addition, no individual may be a debtor under chapter 13 or any chapter of the Bankruptcy Code unless he or she has, within 180 days before filing, received credit counseling from an approved credit counseling agency either in an individual or group briefing. 11 U.S.C. Â§Â§ 109, 111.
The Nemeses (singular: Nemesis) are randomly named enemies in Sauron's Army that are generated uniquely with each playthrough of the game. Each nemesis has their own personality and will rise or fall within their social structure as the game progresses.
Nemesis is a hypothetical red dwarf or brown dwarf, originally postulated in 1984 to be orbiting the Sun at a distance of about 95,000 AU (1.5 light-years), somewhat beyond the Oort cloud, to explain a perceived cycle of mass extinctions in the geological record, which seem to occur more often at intervals of 26 million years.