<prompt> Human: Good evening Reddit,My GF24 has been working for Ayco, which is a division of Goldman Sachs, for the last 8 months. She was hired through a temp agency which performed the routine credit background check. She was recently offered a permanent position, which is quite the accomplishment seeing how approx only 125 temps ever gets an offer. She submitted her application again, did a drug test, and signed for another credit bg check. They called tonight, after 10 days, to question about some debts that had gone into collections. 6 thousand in school loans and 500 in medical bills. She plans on disputing the med bills, but was honest with the man on the phone who I thought was extremely rude and told him her last 4 years were very rough and didnt have the means to make the payments. He informed her this might affect her job offer. Im trying to calm her nerves but I just want her to be ready for what could happen. Any advice on what steps we can take to handle this situation?  <response>: It depends on what her job description is. Typically speaking, a financial firm would reject an applicant with financial difficulties. Its the same for Equity Transport companies. Guards and people who regularly have access to large amount of equity needs to have a pretty clean creditfinancial record. Perfectly good people have done regrettable things due to situation and employers recognize that risk. 