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.
âº Someone's nemesis is a âperson or thing that is very âdifficult for them to âdefeat. âº (a âcause of) âpunishment or âdefeat that is âdeserved and cannot be âavoided: The âtax âincreases âproved to be the president's âpolitical nemesis. (Definition of nemesis from the Cambridge Advanced Learnerâs Dictionary & Thesaurus Â© Cambridge University Press).