Unionbank restructuring offer

Hi. pwede po mag ask regarding sa restructuring offer? Paano po mag avail nun? Need ba dapat mag OD ka? My monthly kasi is 8k, may mga di inaasahang nangyari, di ko afford naa bayaran every month. Initially, plan ko sya bayaran partial every month pero naakitaa ko may almost 2k na fee. Late payment and bounce check fee. Pls advise po thank you