CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 22-00819 — CASE

Case record

ISCR Case 22-00819

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

Case Profile
Decision Date5/23/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Edward W. Loughran
Government Counsel: Aubrey M. De Angelis
Case Summary
The applicant in this case was a 42-year-old employee of a defense contractor who had served in the U.S. military and held an associate degree. The Department of Defense issued a Statement of Reasons citing security concerns under Guideline F (financial considerations), alleging 11 delinquent debts totaling approximately $32,245. The applicant's financial difficulties stemmed from significant auto repair costs and an unsuccessful real estate venture.
During the proceedings, the applicant admitted to owing six of the debts, totaling about $28,000, while disputing two smaller debts. He provided evidence of resolving some debts and claimed to be making efforts to pay off the remaining obligations. However, he did not provide sufficient documentation to demonstrate that he had paid off the debts he claimed were resolved, nor did he offer a clear explanation for the status of the remaining debts.
The administrative judge ruled against the applicant, concluding that he did not adequately mitigate the financial concerns. The judge noted that while some debts had been resolved, the applicant's overall financial history raised questions about his reliability and trustworthiness. The judge emphasized that intentions to resolve debts were insufficient without a demonstrated track record of repayment, leading to the denial of the applicant's eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 22-00819

deniedMay 23, 2023· Hon. Edward W. Loughran· hearing

Summary

A 42-year-old defense contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues totaling approximately $32,245. The Statement of Reasons detailed several specific debts, including an $180 credit union debt paid in May 2022, a $3,126 charged-off auto loan settled for $2,345, and a $364 charged-off credit union debt resolved before July 2019.

However, the applicant denied a $90 bank debt and disputed a $287 collection company debt. Critically, approximately $28,000 in other debts remained unresolved. The administrative judge applied Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c), while considering Mitigating Conditions AG ¶ 20(b) and AG ¶ 20(d).

Ultimately, the denial was based on the applicant's history of financial problems and delinquent debts, which raised concerns about reliability and trustworthiness. The judge concluded that the applicant did not provide sufficient evidence of a good-faith effort to resolve all outstanding debts, thus failing to mitigate the financial security concerns.

Why the Applicant Was Denied

The applicant has a history of financial problems and delinquent debts totaling approximately $32,245.
The applicant's ongoing financial issues raised concerns about reliability and trustworthiness.
The applicant did not provide sufficient evidence of a good-faith effort to resolve all 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)rejectedConditions Largely Beyond the Person's ControlWhile the applicant attributed financial problems to circumstances beyond his control, the judge found insufficient evidence to support this claim.
AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant's intentions to resolve financial problems were not substantiated by a track record of debt repayment.

Key Rule Quoted

“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of the national security.”

Procedural Posture

SOR issuedMay 9, 2022
Answer filedMay 11, 2022
Hearing heldFeb 14, 2023
Decision dateMay 23, 2023

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Insufficient Evidence of Good-faith Efforts to Resolve Debts
Ongoing Financial Problems Raising Concerns About Reliability and Trustworthiness

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 has a history of financial problems and delinquent debts, totaling about $32,245. While some debts were resolved or paid, significant unresolved debts remain, leading to a decision against the applicant under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a history of financial problems and delinquent debts. $32,245	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	$180 debt to a credit union was paid in full in May 2022. $180	For Applicant	Credit Card Debt	Admitted	—	—	—
1.c	$3,126 charged-off auto loan was settled for $2,345. $3,126	For Applicant	Auto Loan Debt	Admitted	—	—	—
1.d	$90 debt to a bank was denied by the applicant. $90	For Applicant	Unspecified Financial	Denied	—	—	—
1.e	$287 debt to a collection company was disputed by the applicant. $287	Against Applicant	Unspecified Financial	Denied	—	—	—
1.f	$364 charged-off debt to a credit union was resolved before July 2019. $364	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.g	Remaining debts total about $28,000 and are unresolved. $28,000	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.h–1.k	4 sub-charges — specific text not stated in this decision (2 against, 2 for the applicant). (low confidence)	Mixed			—	—	—

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.