CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 20-00282 — CASE

Case record

ISCR Case 20-00282

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

Case Profile
Decision Date12/13/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 39-year-old employee of a defense contractor, who had served in the U.S. Air Force and Air Force Reserve for approximately 20 years. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F, related to financial considerations. The SOR detailed 18 delinquent accounts totaling approximately $66,212, which included automobile repossessions, payday loans, and consumer debts.
During the proceedings, the applicant admitted to all allegations in the SOR, acknowledging a history of financial problems dating back to 2007. He described himself as "financially illiterate" in his younger years and claimed to have made efforts to contact creditors for payment arrangements, although he did not provide documentation of any such arrangements. Despite a gross monthly income of around $12,000, he had not made payments toward the debts and failed to submit any evidence of financial counseling or a budget after being given the opportunity to do so.
The administrative judge ruled against the applicant, concluding that he had not mitigated the financial considerations security concerns. The judge noted that the applicant's debts remained unpaid and unresolved, and he had not demonstrated a meaningful effort to address his financial issues. The judge emphasized that the applicant's lack of financial responsibility raised doubts about his reliability and trustworthiness, ultimately denying his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 20-00282

deniedDec 13, 2022· Hon. Robert E. Coacher· hearing

Summary

A 39-year-old defense contractor employee and veteran was denied a security clearance under Guideline F, Financial Considerations. The denial stemmed from 18 delinquent accounts totaling approximately $66,212, which the applicant acknowledged were unresolved.

The Statement of Reasons specifically cited the numerous delinquent accounts as a disqualifying condition. While the applicant claimed efforts to resolve these debts, he did not provide evidence of financial counseling or established repayment plans.

Ultimately, the judge found insufficient evidence of good-faith efforts to address the financial issues. Despite the application of several mitigating conditions, the lack of concrete action to resolve the substantial debt led to the denial of the security clearance.

Why the Applicant Was Denied

The applicant had 18 delinquent accounts totaling approximately $66,212, which he admitted were unresolved.
He failed to provide evidence of financial counseling or repayment plans despite claiming efforts to resolve his debts.
The judge found insufficient evidence of good-faith efforts to address the financial issues.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Mitigating

AG ¶ 20(b)appliedConditions Beyond the Person's ControlWhile the applicant's financial support obligations were beyond his control, he did not act responsibly to resolve his debts.
AG ¶ 20(c)rejectedFinancial CounselingThe applicant did not provide evidence of receiving financial counseling.
AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant failed to establish good-faith efforts to resolve his debts.
AG ¶ 20(e)rejectedDisputing Legitimacy of DebtsThe applicant did not provide documentation supporting any disputes regarding his debts.

Key Rule Quoted

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

Procedural Posture

SOR issuedApr 22, 2020
Answer filedApr 29, 2020
Hearing heldAug 17, 2022Hearing was delayed due to COVID-19 pandemic.
Decision dateDec 13, 2022

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Insufficient Evidence of Financial Responsibility and Counseling
Impact of Financial Obligations on Security Clearance Eligibility

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 numerous delinquent accounts totaling approximately $66,212 against the applicant under Guideline F. Despite the applicant's claims of financial counseling and attempts to resolve debts, the judge concluded that the applicant failed to demonstrate good-faith efforts to manage his financial issues, resulting in a denial of the security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has numerous delinquent accounts totaling approximately $66,212. $66,212	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.b–1.r	17 sub-charges — specific text not stated in this decision (16 against, 1 for the applicant). (low confidence)	Mixed			—	—	—

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.