Summary
The applicant, a 28-year-old male with a history of financial difficulties, faced security concerns under Guideline F due to ten delinquent accounts. He successfully resolved eight of these accounts and demonstrated intent to address the remaining debts, attributing his financial issues to circumstances beyond his control, such as a serious car accident and subsequent unemployment. The judge found sufficient evidence of financial responsibility, leading to a favorable decision granting security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: SOR ¶ 1.a ($18,258) alleges a defaulted car loan Applicant cosigned for his 50-year-old aunt in 2015 (1.a). SOR ¶ 1.b ($1,603) alleged a medical account in collection (1.b). SOR ¶ 1.c ($863) alleged an Internet services provider account in collection (1.c). SOR ¶ 1.d ($827) alleged an overdraft bank account in collection from August 2018 (1.d). SOR ¶ 1.e ($46) alleged a medical account in collection (1.e). SOR ¶ 1.f ($148) alleged a medical account in collection (1.f). SOR ¶ 1.g ($461) alleged a medical account in collection (1.g). SOR ¶ 1.h ($780) alleged a medical account in collection (1.h). SOR ¶ 1.i ($45) alleged a medical account in collection (1.i). SOR ¶ 1.j ($21,125) alleged a hospital-services account in collection (1.j).
The judge granted the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(d). The decision turned on the following: Resolved eight of ten delinquent accounts; No new delinquencies acquired during unemployment; Financial issues largely due to circumstances beyond his control.
Why the Applicant Prevailed
- Resolved eight of ten delinquent accounts.
- No new delinquencies acquired during unemployment.
- Financial issues largely due to circumstances beyond his control.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions Largely Beyond the Person's Control
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors
Key Rule Quoted
“Eligibility for access to classified information may be granted "only upon a finding that it is clearly consistent with the national interest to do so."”
Procedural Posture
- SOR issuedAug 9, 2019
- Answer filedSep 4, 2019
- Hearing heldMar 6, 2020Applicant waived 15-day notice.
- Decision dateApr 22, 2020
Cite For
- Demonstrating Financial Responsibility Under Guideline F
- Mitigating Financial Issues Due to Circumstances Beyond Control
- Good-faith Efforts to Resolve Debts