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ISCR Case 11-13626.a1 — CASE

Case record

ISCR Case 11-13626.a1

A decided public DOHA case, shown for research — not advice or a prediction.

Case Profile
Decision Date11/7/2013
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Jeffrey D. Billett, Michael Y. Ra'anan, James E. Moody
Government Counsel: James B. Norman
Case Summary
The applicant in this case was an employee of a Federal contractor who had previously served in the U.S. military and held security clearances since 1979. The Department of Defense (DoD) denied his request for a security clearance based on concerns under Guideline F (Financial Considerations), specifically citing his longstanding delinquent debts and insufficient efforts to repay them. The Statement of Reasons indicated that the applicant had accumulated significant debt, including credit card debt, and had filed for Chapter 13 bankruptcy in 1999.
During the proceedings, the applicant admitted to being delinquent in his debt payments, attributing this to his own lack of financial savvy. He acknowledged that he and his spouse had taken on more credit card debt than they could manage and had not made any payments on their debts as of the hearing date. Although he later engaged a debt management company to negotiate with creditors, the administrative judge found that he had not demonstrated a responsible approach to resolving his financial issues prior to the hearing.
The administrative judge ruled against the applicant, affirming the DoD's decision to deny the security clearance. The judge concluded that the applicant's financial circumstances raised significant security concerns and that he had failed to mitigate these concerns. The judge noted that despite the applicant's awareness of his financial obligations and the potential security implications, he had not taken timely or effective action to address his debts, which was inconsistent with the judgment expected of someone holding a security clearance. The decision was ultimately upheld by the Appeal Board.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 11-13626.a1

deniedNov 7, 2013· Hon. Jeffrey D. Billett· hearing

Summary

A federal contractor and military retiree was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The applicant had a history of delinquent debts and insufficient repayment efforts, leading to the adverse decision despite a long history of holding security clearances.

Disqualifying conditions under Guideline F, specifically AG ¶ 20(a), were raised. The denial was based on the applicant's longstanding awareness of delinquent debts and dilatory efforts at repayment. Furthermore, the applicant failed to demonstrate a track record of debt resolution despite being fully employed.

Ultimately, the applicant's financial irresponsibility was deemed inconsistent with the judgment expected of someone holding a security clearance, resulting in the denial of the application.

Why the Applicant Was Denied

The applicant had longstanding awareness of delinquent debts and made dilatory efforts at repayment.
The applicant failed to demonstrate a track record of debt resolution despite having full employment.
The applicant's financial irresponsibility was inconsistent with the judgment expected of someone holding a security clearance.

Conditions Referenced

Disqualifying

AG ¶ 20(a)raisedFinancial Considerations

Key Rule Quoted

“The general standard is that a clearance may be granted only when ‘clearly consistent with the interests of the national security.’”
— Department of the Navy v. Egan, 484 U.S. 518, 528 (1988)

Procedural Posture

SOR issuedFeb 27, 2013
Answer filed—
Hearing heldSep 10, 2013
Decision dateNov 7, 2013

Cite For

Failure to Mitigate Financial Concerns Under Guideline F
Importance of Demonstrating a Track Record of Debt Repayment
Consideration of an Applicant's Financial History in Security Clearance Decisions

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

Full decision

The complete, official text — footnotes and signatures included — is in the original PDF.