Summary
A 35-year-old defense contractor was denied a security clearance under Guideline F (Financial Considerations) due to significant delinquent debts totaling over $26,000, primarily stemming from his divorce. The Statement of Reasons detailed several specific financial issues.
These included a defaulted car loan, a furniture debt, and other smaller debts. The applicant also owed a charged-off loan of $18,071, two charged-off credit card debts of $823 and $517, and a charged-off credit union debt of $598. Additionally, he had past-due medical debts of $1,275 and $56, alongside six collection debts totaling $5,127. These conditions raised disqualifying concerns under Adjudicative Guidelines paragraphs 19(a) and 19(c).
The denial was based on the applicant's failure to demonstrate any efforts to resolve these financial obligations. The judge concluded that this financial irresponsibility raised significant concerns regarding his reliability and trustworthiness, leading to the denial of his security clearance.
Why the Applicant Was Denied
- Applicant defaulted on a car loan and multiple debts totaling over $26,000.
- He provided no evidence of efforts to resolve his financial obligations.
- The judge found that his financial irresponsibility raised concerns about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“Failure to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified or sensitive information.”
Procedural Posture
- SOR issuedMar 15, 2019
- Answer filedApr 15, 2019Requested decision based on written record.
- Hearing held—Decision made without a hearing.
- Decision dateAug 27, 2019
Cite For
- Financial Irresponsibility Under Guideline F
- Failure to Demonstrate Efforts to Resolve Debts
- Impact of Financial Issues on Security Clearance Eligibility