Summary
A 44-year-old program analyst was denied a security clearance under Guideline F (Financial Considerations) due to multiple delinquent debts totaling over $57,000. The Statement of Reasons detailed numerous outstanding obligations, including an unpaid rent collection of $18,469, a charged-off car loan of $12,785, and various other collection accounts for telecommunications, credit cards, cable, and cellphone bills. Additionally, the applicant had three judgments for unpaid rent, filed in January 2015 for $3,566, November 2015 for $4,450, and January 2017 for $9,110, along with several medical bills placed for collection.
The judge found that the applicant admitted to 22 delinquent debts, demonstrating an inability to satisfy her financial obligations. Despite her claims of efforts to resolve these debts and seek financial counseling, she failed to provide sufficient documentary evidence to support these assertions.
Ultimately, the judge concluded that the applicant's financial issues were numerous and recent, indicating a lack of good judgment and self-control. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant admitted to 22 delinquent debts totaling over $57,000, demonstrating an inability to satisfy debts.
- The applicant failed to provide documentary evidence to support her claims of resolving debts or receiving financial counseling.
- The judge found that the applicant's financial issues were numerous and recent, indicating a lack of good judgment and self-control.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Unlikely to RecurThe applicant's delinquent debts are numerous and recent.
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlWhile some unemployment was beyond her control, the applicant did not provide sufficient evidence of responsible actions taken.
- AG ¶ 20(c)rejectedReceived Financial CounselingThe applicant presented no evidence of financial counseling.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant did not provide evidence of payment agreements or payments made.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute DebtsThe applicant claimed disputes but provided no documentation.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedMay 1, 2018
- Answer filedMay 30, 2018
- Hearing heldOct 29, 2018
- Decision dateJan 4, 2019
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Insufficient Evidence to Mitigate Financial Concerns
- Importance of Documentary Evidence in Financial Disputes