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ISCR Case 22-00872 — CASE

Case record

ISCR Case 22-00872

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

Case Profile
Decision Date10/26/2022
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Andrea M. Corrales
Case Summary
The applicant in this case was a 53-year-old munitions technician employed by a government contractor since 2013, with prior military service in the Air Force. The Department of Defense Consolidated Adjudications Facility issued a Statement of Reasons (SOR) citing security concerns under Guideline F, related to financial considerations, due to 19 delinquent debts totaling approximately $58,000. The applicant admitted to the allegations, attributing his financial difficulties to a reduction in work hours and a COVID-19 diagnosis that temporarily incapacitated him.
The applicant provided evidence of his efforts to address his financial issues, including documentation showing he was current on his mortgage payments and had entered a debt relief payment plan in 2019. He made consistent monthly payments and had settled or was in the process of settling a significant number of his debts. The administrative judge found that the applicant's financial problems were largely beyond his control and that he had acted responsibly in managing his debts, which mitigated the security concerns.
Ultimately, the administrative judge ruled in favor of the applicant, concluding that he had mitigated the financial considerations that raised security concerns. The judge determined that granting the applicant eligibility for access to classified information was consistent with the national interest.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 22-00872

grantedOct 26, 2022· Hon. Robert E. Coacher· hearing

Summary

A 53-year-old Air Force veteran and munitions technician was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The applicant had 19 delinquent debts totaling approximately $58,000, which raised disqualifying conditions related to financial irresponsibility and an unwillingness to meet financial obligations.

However, the judge found that mitigating conditions applied. The applicant's financial difficulties were largely beyond his control, stemming from reduced work hours and the COVID-19 pandemic. In response, he entered a debt relief payment plan in 2019 and has consistently made payments since then.

Furthermore, the applicant is current on his mortgage payments and has either settled or is in the process of settling many of his outstanding debts. These actions demonstrated a good-faith effort to resolve his financial issues, leading to the favorable decision to grant his security clearance.

Why the Applicant Prevailed

The applicant's financial issues were largely beyond his control due to reduced work hours and COVID-19.
He entered a debt relief payment plan in 2019 and has made consistent payments since then.
The applicant is current on his mortgage payments and has settled or is in the process of settling many of his debts.

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 Control
AG ¶ 20(c)appliedReceiving Financial Counseling
AG ¶ 20(d)appliedGood-faith Effort to Repay Debts

Key Rule Quoted

“The administrative judge’s overarching adjudicative goal is a fair, impartial, and commonsense decision.”

Procedural Posture

SOR issuedJun 6, 2022
Answer filedJul 7, 2022
Hearing held—Decided on the written record.
Decision dateOct 26, 2022

Cite For

Mitigation of Financial Considerations Under Guideline F
Good-faith Efforts in Debt Resolution
Impact of External Factors on Financial Stability

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 19 delinquent debts totaling approximately $58,000, primarily due to financial difficulties stemming from a reduction in work hours and a COVID-19 diagnosis. However, the applicant demonstrated good-faith efforts to resolve these debts through a debt relief payment plan, which led to a ruling in favor of the applicant on all allegations under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a–1.s	19 sub-charges — specific text not stated in this decision (for the applicant).	For 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.