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ISCR Case 19-01132 — CASE

Case record

ISCR Case 19-01132

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

Case Profile
Decision Date12/3/2019
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Elizabeth M. Matchinski
Government Counsel: Carroll J. Connelley
Case Summary
The applicant in this case was a 36-year-old mechanical technician employed by a defense contractor, who sought a security clearance after being issued a Statement of Reasons (SOR) citing financial considerations under Guideline F. The SOR detailed allegations of delinquent debts totaling $14,859 across ten accounts, which the applicant admitted. He attributed his financial difficulties to a lack of income while working for a cousin and subsequent unemployment, which led to missed payments on various debts.
During the proceedings, the applicant acknowledged his debts and indicated efforts to address them, including entering a repayment plan for some debts and bringing a truck loan current. However, he lacked a consistent track record of timely payments and had not taken steps to resolve smaller debts outside the repayment plan. The administrative judge ruled against the applicant, concluding that the financial concerns were not sufficiently mitigated. The judge noted that while the applicant had made some progress, his overall financial situation and lack of proactive measures to address all debts raised significant security concerns, leading to the denial of his security clearance.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 19-01132

deniedDec 3, 2019· Hon. Elizabeth M. Matchinski· hearing

Summary

A 36-year-old mechanical technician was denied a security clearance under Guideline F, Financial Considerations, due to significant delinquent debts. The Statement of Reasons alleged the applicant owed $14,859 across ten accounts. This raised disqualifying conditions related to an inability or unwillingness to satisfy debts, a history of not meeting financial obligations, and financial problems that are not isolated.

While the applicant made some efforts to address his financial issues, the judge found these insufficient to mitigate the concerns. Specifically, the applicant defaulted on several debts totaling $14,859 and lacked a consistent track record of timely payments. Mitigating conditions considered included the debt being largely resolved or the applicant demonstrating a good-faith effort to resolve the debt.

Ultimately, the judge concluded that the applicant's financial history raised doubts about his reliability and judgment. Due to the lack of reliable financial management, granting a security clearance was deemed inconsistent with the national interest, and the application was denied.

Why the Applicant Was Denied

Applicant defaulted on several debts totaling $14,859.
He lacked a track record of timely payments to mitigate financial concerns.
The judge found that the applicant's financial history raised doubts about his reliability and judgment.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Mitigating

AG ¶ 20(c)appliedReceived or Is Receiving Counseling for the ProblemApplicant received some budget counseling from the debt services firm handling his debt repayment plan.
AG ¶ 20(d)appliedInitiated and Is Adhering to a Good-faith Effort to Repay Overdue CreditorsApplicant arranged for repayment of his larger credit-card delinquencies through a debt repayment plan.

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedMay 13, 2019
Answer filedMay 21, 2019
Hearing heldSep 25, 2019
Decision dateDec 3, 2019

Cite For

Financial Considerations Under Guideline F
Impact of Financial Irresponsibility on Security Clearance Eligibility
Importance of Timely Debt Repayment in Mitigating Security Concerns

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

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: HearingDecided: denied

The judge found that the applicant owed delinquent debts totaling $14,859 on ten accounts, which raised significant financial concerns under Guideline F. Although the applicant admitted to the debts and indicated some efforts to address them, the judge concluded that the financial considerations security concerns were not adequately mitigated, resulting in a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant owed delinquent debts totaling $14,859 on ten accounts. $14,859	For Applicant	Unspecified Financial	Admitted	—	—	—
1.b–1.j	9 sub-charges — specific text not stated in this decision (against the applicant).	Against Applicant			—	—	—

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

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