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The budget is Pourbaix’s first as the top executive at Cenovus since replacing Brian Ferguson in November, who came under investor pressure after clinching a mammoth $12.7 billion deal to acquire a package of oilsands and Deep Basin natural gas assets from Conoco Phillips earlier this year.

The company’s stock has fallen by more than a third since that deal was announced, as investors fretted about the company’s rising debt levels.

Have a debt of approximately $17k with Citibank Credit Card, 162 days past due.

I've talked to them repeatedly about inability to pay, even offered settlements, but they won't budge.

If you are skeptical that you can meet the lower payment, I don’t recommend enrolling in the plan.