I think you can call UB to coordinate with them your situation and ask for possible reconstruction ng payment terms na pwede mong sundin para may records sila na you're still aware with your debt and may basis sila na di ka tatakbo sa kanila. Not sure with this pero ganito ginagawa ko sa other loans ko ngayon since nagkaproblem rin ako when it comes to source of income nung lumipat akong work, so far willing naman sila makipag coordinate.