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ISCR Case 21-02463 — CASE

Case record

ISCR Case 21-02463

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

Case Profile
Decision Date7/15/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert Robinson Gales
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 45-year-old employee of a defense contractor, serving as an aircraft maintenance technician/inspector. He applied for a security clearance on March 13, 2020, but was issued a Statement of Reasons (SOR) on December 10, 2021, citing concerns under Guideline F (Financial Considerations). The SOR detailed multiple delinquent financial accounts totaling approximately $107,032, which the Defense Counterintelligence and Security Agency (DCSA) deemed inconsistent with the national interest.
In his response to the SOR, the applicant admitted to the allegations but claimed that the debts were incurred due to his ex-wife's financial mismanagement and gambling issues, which he described as "fraudulent debts." He stated that he had no intention of repaying these debts, believing they would eventually fall off his credit report. The applicant provided limited evidence of his current financial situation, failing to demonstrate any financial counseling or a budget, and did not submit a response to the Government's file of relevant material.
The administrative judge ruled against the applicant, concluding that he failed to mitigate the security concerns related to his financial issues. The judge noted the lack of evidence indicating that the applicant's financial problems were under control and emphasized the importance of demonstrating financial responsibility for security clearance eligibility. Consequently, the applicant's request for a security clearance was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 21-02463

deniedJul 15, 2022· Hon. Robert Robinson Gales· hearing

Summary

A 45-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons cited the applicant's failure to mitigate security concerns related to his finances, specifically 15 still-delinquent accounts totaling approximately $107,032.

The denial was based on several factors. The applicant's 15 delinquent accounts demonstrated a history of failing to meet financial obligations. Although he admitted to the debts, he claimed they were fraudulent, which the judge interpreted as an unwillingness to satisfy them, irrespective of his ability to pay.

Crucially, the applicant presented no evidence of seeking financial counseling or developing a concrete plan to address the outstanding debts. Consequently, the judge concluded that granting a security clearance was not consistent with national interest.

Why the Applicant Was Denied

Applicant has 15 delinquent accounts totaling approximately $107,032, indicating a history of not meeting financial obligations.
He admitted to the debts but claimed they were fraudulent, showing unwillingness to satisfy them regardless of ability.
No evidence of financial counseling or a plan to address the debts was presented.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of Ability to Do So
AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for access to classified information is denied.”

Procedural Posture

SOR issuedDec 10, 2021
Answer filedJan 26, 2022Applicant elected to have the case decided on the written record.
Hearing held—Decision made based on written record.
Decision dateJul 15, 2022

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Demonstrating a Plan to Address Financial Obligations
Unwillingness to Satisfy Debts as a Disqualifying Factor

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: denied

The judge found that the applicant had 15 still-delinquent accounts totaling approximately $107,032, which raised significant financial concerns under Guideline F. The applicant admitted to the allegations but failed to provide sufficient evidence to mitigate the concerns, resulting in a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant failed to mitigate the security concerns regarding financial considerations. $107,032	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	—
1.b	Applicant has 15 still-delinquent accounts totaling approximately $107,032. $107,032	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	—

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.