V.S.
I'm sorry, but aren't you the same person who asked about becoming an accountant yesterday but with a different user name? Same non-English grammar and syntax, same off-topic subject, same general area of the country.
I'd answer your question, but I'm afraid I don't understand it. If you are in a debt relief program and trying to apply for a job, are you somehow violating the terms of the debt relief? Or are you simply concerned they will discover you've had problems with debt? Do not be dishonest about it if you are expected to disclose it. And yes, employers often do background checks and it will be easy to discover simply by checking with the credit unions.
ETA: Okay, Scott D., as a linguist and foreign language teacher, I'm pretty good at spotting errors that arise from an incomplete understanding of the English language. I will concede, however, that OP may simply lack a strong education in his or her native English language. "What effects exist for obtaining employment during or adhering to a debt-relief order" makes virtually no sense.
I will also take a moment to acknowledge Jim's insights and agree this poster should be starved. And will further share Veronica's amazement at Scott D's miraculous insight that after 5 years he should rise to the defense of a fellow newbie. Huzzah to you!