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ISCR Case 21-01830 — CASE

Case record

ISCR Case 21-01830

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

Case Profile
Decision Date3/31/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Related decisionSee the appeal decision (Case 21-01830) →
Participants
Applicant Representation: Pro Se
Judge: Marc E. Curry
Government Counsel: Andrea M. Corrales
Case Summary
the remaining debts were noted, but the administrative judge found that these actions did not sufficiently demonstrate a change in behavior or financial responsibility. The judge highlighted that the applicant's ongoing delinquent state and federal income taxes, along with his recent lavish expenditures, raised significant concerns regarding his reliability and judgment.
The administrative judge ruled to deny the applicant's security clearance, citing the applicant's failure to consistently meet his financial obligations and the lack of evidence indicating a substantial reform in his financial behavior. The judge emphasized that the applicant's financial issues, particularly the delinquent taxes and the prioritization of luxury spending over debt repayment, were incompatible with the standards required for access to classified information. The decision underscored the importance of financial responsibility in assessing an individual's trustworthiness in matters of national security.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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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. 21-01830

deniedMar 31, 2023· Hon. Marc E. Curry· hearing

Summary

A 45-year-old married veteran with two children was denied a security clearance under Guideline F, Financial Considerations, due to significant delinquent debts, including state and federal taxes. The Statement of Reasons alleged approximately $50,000 in delinquent debt.

The applicant had resolved several debts, including a $4,204 furniture loan, a $1,917 delinquent loan, a $1,364 insurance debt, and a $1,090 vacation loan. Additionally, the applicant disputed timeshare fees and a $2,154 medical bill, confirming no outstanding obligations for these. However, the applicant still owed $8,243 in delinquent state income tax for 2010 and 2011, and $3,000 to the federal government for tax year 2020.

The denial was based on the unresolved delinquent state and federal income taxes, concerns about lavish expenditures over the past three years, and the applicant's failure to adhere to payment plans. While some mitigating conditions were applied, the judge found insufficient evidence of financial reform and ongoing irresponsible spending habits.

Why the Applicant Was Denied

The applicant has unresolved delinquent state and federal income taxes.
Lavish expenditures over the past three years raised concerns about financial responsibility.
The applicant's failure to adhere to payment plans contributed to the decision.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
AG ¶ 19(f)raisedFailure to Pay Annual Federal, State, or Local Income Tax as Required

Mitigating

AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors or Resolve Debts
AG ¶ 20(e)appliedDisputed Legitimacy of Past-due Debt

Key Rule Quoted

“"Failure to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified or sensitive information."”
— AG ¶ 18

Procedural Posture

SOR issuedAug 31, 2021
Answer filedSep 21, 2021
Hearing heldOct 25, 2022via video teleconference
Decision dateMar 31, 2023

Cite For

Insufficient Evidence of Financial Reform Under Guideline F
Lavish Spending Habits as a Disqualifying Factor
Good-faith Efforts to Resolve Debts May Not Mitigate Ongoing Financial Irresponsibility

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 significant financial concerns under Guideline F, particularly regarding the applicant's delinquent debts, including substantial state and federal tax obligations. While the applicant resolved several debts and disputed others, the overall financial history and ongoing tax issues led to a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant incurred approximately $50,000 of delinquent debt. $50,000	Against Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Applicant resolved a furniture loan totaling $4,204 in October 2022. $4,204	For Applicant	Personal Loan Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Credited Debt Paid in Full
1.c	Applicant was current on a delinquent loan totaling $1,917 as of October 2022. $1,917	For Applicant	Unspecified Financial	Admitted	—	—	Claimed Debt Paid in Full
1.d	Applicant confirmed that a debt of $1,364 owed to an insurance company was paid. $1,364	For Applicant	Unspecified Financial	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Credited Debt Paid in Full
1.e	Applicant paid in full a loan of $1,090 opened to finance a vacation. $1,090	For Applicant	Personal Loan Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Credited Debt Paid in Full
1.f	Applicant disputed timeshare maintenance fees and confirmed he no longer owes money for either property.	For Applicant	Unspecified Financial	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Credited Debt Disputed with Creditor
1.g	Applicant successfully disputed a medical bill totaling $2,154 stemming from emergency medical treatment. $2,154	For Applicant	Medical Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Credited Debt Disputed with Creditor
1.h	Applicant owes delinquent state income tax for tax years 2010 and 2011 totaling $8,243. $8,243	For Applicant	Tax Unpaid	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.i	Applicant owes $3,000 for tax year 2020 to the federal government. $3,000	For Applicant	Tax Unpaid	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.j–1.k	2 sub-charges — specific text not stated in this decision (against the applicant). (low confidence)	Against 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.