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ISCR Case 21-01791 — CASE

Case record

ISCR Case 21-01791

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

Case Profile
Decision Date12/1/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Judge: Marc E. Curry
Government Counsel: William H. Miller
Applicant's Counsel: Shawnielle Predeoux
Case Summary
The applicant in this case was a 53-year-old woman with a background in information technology security and a history of financial difficulties. The Department of Defense issued a Statement of Reasons (SOR) citing concerns under Guideline F, related to financial considerations, due to approximately $35,000 in delinquent debt. The applicant denied the allegations but acknowledged the debts, contesting their amounts and asserting that her financial issues stemmed from personal circumstances, including a deteriorating marriage and the death of her mother.
During the hearing, the applicant admitted to some debts but provided limited evidence of efforts to resolve them. She claimed to have retained an attorney to assist with her debts and mentioned a budget that allowed for some discretionary income, but did not substantiate her claims with documentation. The administrative judge found that the applicant's financial problems were ongoing and that her explanations did not sufficiently mitigate the security concerns. Consequently, the judge ruled against the applicant, concluding that granting her security clearance was not consistent with national security interests.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 21-01791

deniedDec 1, 2022· Hon. Marc E. Curry· hearing

Summary

A 53-year-old woman with a master's degree was denied a security clearance under Guideline F (Financial Considerations) due to approximately $35,000 in delinquent debt. The Statement of Reasons detailed several specific debts, including approximately $15,800, $7,400, $6,750, and $5,443 owed to various credit card lenders, along with $96 owed to a cable television company. An additional debt of $277 owed to a gas station credit card was noted as satisfied.

Despite the applicant having a good income and maintaining a budget, the judge determined that she failed to mitigate the substantial delinquent debt. The decision cited Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).

Ultimately, the denial was based on insufficient evidence to demonstrate that her financial problems were under control. While the applicant's financial issues were linked to personal circumstances, these did not excuse the delinquencies, leading to the unfavorable outcome.

Why the Applicant Was Denied

The applicant failed to mitigate approximately $35,000 in delinquent debt.
Insufficient evidence was provided to demonstrate that financial problems were under control.
The applicant's financial issues were linked to personal circumstances but did not excuse the delinquency.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedAug 10, 2021
Answer filedSep 3, 2021
Hearing heldAug 31, 2022
Decision dateDec 1, 2022

Cite For

Failure to Mitigate Financial Considerations Under Guideline F
Insufficient Evidence of Financial Stability Despite Good Income
Impact of Personal Circumstances on Financial Obligations

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 had significant delinquent debts totaling approximately $35,000, primarily from credit card lenders, which raised security concerns under Guideline F. While one debt was satisfied, the applicant failed to demonstrate sufficient mitigation for the remaining debts, leading to a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Delinquent debt totaling approximately $15,800 owed to a credit card lender. $15,800	Against Applicant	Credit Card Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Delinquent debt totaling approximately $7,400 owed to another credit card lender. $7,400	Against Applicant	Credit Card Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	Delinquent debt totaling approximately $6,750 owed to a credit card lender. $6,750	Against Applicant	Credit Card Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	Delinquent debt totaling approximately $5,443 owed to a credit card lender. $5,443	Against Applicant	Credit Card Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	Delinquent debt totaling $96 owed to a cable television company. $96	Against Applicant	Utility or Phone Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f	Debt totaling $277 owed to a gas station credit card, which was satisfied. $277	For Applicant	Credit Card Debt	Unknown	—	—	—

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.