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ISCR Case 20-02383 — CASE

Case record

ISCR Case 20-02383

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

Case Profile
Decision Date3/30/2022
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Marc E. Curry
Government Counsel: Rhett E. Petcher
Case Summary
The applicant in this case was a 60-year-old single man employed as an electrician for a defense contractor. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing security concerns under Guideline F, related to financial considerations. The SOR outlined the applicant's failure to satisfy debts, including approximately $40,000 in student loans and other debts totaling over $14,000.
The applicant admitted to most of the allegations in the SOR but denied two specific debts. He provided evidence of his efforts to manage his financial obligations, including entering a loan rehabilitation program and negotiating payment plans with creditors. By the time of the decision, he had satisfied all non-student loan debts and was making regular payments on his student loans, which were no longer in delinquent status.
The administrative judge ruled in favor of the applicant, concluding that he had mitigated the financial concerns. The judge noted the applicant's consistent payment history and the absence of any other delinquent debts, determining that the financial issues were unlikely to recur. Consequently, the judge granted the applicant eligibility for a security clearance, stating that it was consistent with national security interests.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
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Case Headnote

ISCR Case No. 20-02383

grantedMar 30, 2022· Hon. Marc E. Curry· hearing

Summary

A 60-year-old single male applicant was granted a security clearance after addressing financial considerations under Guideline F. The Statement of Reasons initially raised concerns regarding several debts, including a department store debt, approximately $26,000 in student loans, and two other specific debts totaling $1,712 and $453. These concerns invoked Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).

The applicant successfully mitigated these concerns by demonstrating a good-faith effort to repay overdue creditors. He satisfied the department store debt through 11 monthly payments of $406. The student loans, totaling approximately $26,000, are no longer delinquent, with consistent payments made since April 2019. Additionally, the applicant satisfied the $1,712 debt in February 2021 and the $453 debt in August 2021.

The administrative judge concluded that all debts, including student loans, had been satisfied or were being consistently paid, with none currently in delinquent status. Mitigating Conditions AG ¶ 20(a), AG ¶ 20(c), and AG ¶ 20(d) were applied, leading to the determination that the applicant's financial issues were resolved and granting the security clearance was consistent with national security interests.

Why the Applicant Prevailed

The applicant satisfied all debts, including student loans, and has maintained consistent payments since 2019.
None of the debts are currently in delinquent status.
The applicant demonstrated a good-faith effort to repay overdue creditors.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedBehavior Happened Long Ago or Infrequently
AG ¶ 20(c)appliedClear Indications That the Problem Is Being Resolved or Is Under Control
AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors

Key Rule Quoted

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

Procedural Posture

SOR issuedJan 11, 2021
Answer filedMar 16, 2021
Hearing held—Applicant requested a decision on the written record.
Decision dateMar 30, 2022

Cite For

Mitigation of Financial Concerns Under Guideline F
Demonstrating Good-faith Efforts to Resolve Debts
Consideration of the Whole-person Concept in Security Clearance Decisions.

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: Decision on RecordDecided: granted

The judge found that the applicant had resolved all non-student loan debts and was making consistent payments on his student loans, which are no longer in delinquent status. The applicant's financial issues were deemed unlikely to recur, leading to a favorable decision regarding his security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant satisfied a debt owed to a department store through 11 monthly payments of $406 in full and final settlement. $14,263	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts	—
1.b	Applicant has approximately $26,000 in student-loan debts that are no longer in delinquent status. $26,000	For Applicant	Student Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts	—
1.c	Applicant has been making payments on his student loans since April 2019 without interruption. $0	For Applicant	Student Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts	—
1.d	Applicant satisfied subparagraph 1.e, totaling $1,712 in February 2021. $1,712	For Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts	—
1.e	Applicant satisfied subparagraph 1.i, totaling $453 in August 2021. $453	For Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (c) received/receiving counseling; problem being resolved (d) good-faith effort to repay or otherwise resolve debts	—
1.f–1.i	4 sub-charges — specific text not stated in this decision (for the applicant). (low confidence)	For Applicant			—	—	—

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

Full decision

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