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ISCR Case 22-01105 — CASE

Case record

ISCR Case 22-01105

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

Case Profile
Decision Date6/28/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Pamela C. Benson
Government Counsel: Nicholas T. Temple
Case Summary
The applicant in this case was a 53-year-old naturalized U.S. citizen from Liberia, employed as a protective agent for a government contractor. The Department of Defense issued a Statement of Reasons (SOR) citing financial considerations as the basis for security clearance concerns, specifically alleging five delinquent debts totaling approximately $40,335. The applicant denied responsibility for these debts, claiming ignorance of financial practices and asserting that creditors had taken advantage of her.
During the hearing, the applicant admitted to having significant debt but denied the specific amounts listed in the SOR. She provided some documentation in support of her claims but failed to demonstrate that she had taken responsible actions to address her financial obligations. The administrative judge found that the applicant's explanations were insufficient to mitigate the financial concerns, noting that she had not provided adequate evidence to support her assertions regarding the debts. Consequently, the judge ruled against the applicant, denying her eligibility for access to classified information based on unresolved financial issues that posed a potential risk to national security.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
- Guideline FFinancial Considerations · Withdrawn
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Case Headnote

ISCR Case No. 22-01105

deniedJun 28, 2023· Hon. Pamela C. Benson· hearing

Summary

The applicant, a 53-year-old naturalized U.S. citizen from Liberia, faced financial concerns under Guideline F due to multiple delinquent debts totaling approximately $40,335. Despite her claims of ignorance regarding financial practices and denial of responsibility for the debts, the judge found insufficient evidence to mitigate the financial concerns, leading to a denial of her security clearance.

Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: SOR ¶¶ 1.a and 1.e allege two delinquent accounts with an insurance company that were referred for collection in the amount of $118 and $85, respectively (1.a). SOR ¶ 1.b alleges a charged-off car loan account in the amount of $10,208 (1.b). SOR ¶ 1.c alleges a car loan creditor account for a repossessed car with an outstanding deficiency balance of $29,692 (1.c). SOR ¶ 1.d alleges a delinquent account with a bottled water supplier that was referred for collection in the amount of $232 (1.d).

The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant failed to provide sufficient evidence to support her claims of not being responsible for the debts; She did not take responsible actions to address her financial obligations while employed; The judge found that her financial ignorance suggested indifference to her legal obligations.

Why the Applicant Was Denied

The applicant failed to provide sufficient evidence to support her claims of not being responsible for the debts.
She did not take responsible actions to address her financial obligations while employed.
The judge found that her financial ignorance suggested indifference to her legal obligations.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”

Procedural Posture

SOR issuedSep 6, 2022
Answer filedJan 11, 2023
Hearing heldMay 17, 2023
Decision dateJun 28, 2023

Cite For

Insufficient Evidence to Mitigate Financial Concerns Under Guideline F
Failure to Take Responsible Actions Regarding Financial Obligations
Indifference to Legal Obligations Due to Financial Ignorance

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 multiple financial concerns under Guideline F, including delinquent accounts and charged-off debts. The applicant's claims of disputing the debts were not sufficiently supported, leading to a decision against the applicant on most allegations, with one account found to be a duplicate and thus ruled in favor of the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	SOR ¶¶ 1.a and 1.e allege two delinquent accounts with an insurance company that were referred for collection in the amount of $118 and $85, respectively.	For Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	SOR ¶ 1.b alleges a charged-off car loan account in the amount of $10,208. $10,208	Against Applicant	Auto Loan Debt	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	SOR ¶ 1.c alleges a car loan creditor account for a repossessed car with an outstanding deficiency balance of $29,692. $29,692	Against Applicant	Auto Loan Debt	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	SOR ¶ 1.d alleges a delinquent account with a bottled water supplier that was referred for collection in the amount of $232. $232	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	specific text not stated in this decision	Withdrawn	Unspecified Financial	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.