I got offered a F.A. position with Ameriprise, however I'm worried about paying for the non-refundable exam fees before knowing for sure that I can be licensed to work in the finance sector. I have a few bumps on my credit report, including unsettled debts from a few years ago that I have not made any attempt to satisfy including credit card debt, a vehicle repossession, and rental debt. If I were to make a consolidation agreement with a company and have it documented, would I have a chance to enter this field? For the last two years, I have been on time on my rent, car payment and all other current bills but haven't done anything about the past. I'd appreciate your advice.