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.
n. pl. nemÂ·eÂ·ses (-sÄzâ²). 1. A source of harm or ruin: Uncritical trust is my nemesis. 2. Retributive justice in its execution or outcome: To follow the proposed course of action is to invite nemesis. 3. An opponent that cannot be beaten or overcome. 4. One that inflicts retribution or vengeance.