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ISCR Case 22-01326 — CASE

Case record

ISCR Case 22-01326

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

Case Profile
Decision Date9/21/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Carol G. Ricciardello
Government Counsel: Sakeen Farhath
Case Summary
he worked, but he did not provide evidence of ongoing financial counseling or a clear plan to resolve his debts, which undermined his claims of mitigation. The administrative judge found that the applicant's financial difficulties were not sufficiently addressed and that he had not demonstrated a commitment to resolving his debts.
The administrative judge ruled against the applicant, concluding that he failed to mitigate the security concerns under Guideline F related to financial considerations. The judge noted that the applicant's financial issues were recent and ongoing, and he had not made significant progress in addressing his delinquent debts. The judge emphasized that the applicant's choices to pursue a competitive career in real estate and to rely on credit were within his control, and his lack of a realistic plan to repay his creditors raised concerns about his reliability and trustworthiness. Consequently, the applicant's eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-01326

deniedSep 21, 2023· Hon. Carol G. Ricciardello· hearing

Summary

A 38-year-old federal contractor was denied a security clearance under Guideline F, Financial Considerations, due to significant and unresolved financial issues. The Statement of Reasons detailed six delinquent debts, including a charged-off student loan, totaling approximately $73,157. Specific debts included amounts of $17,723, $9,870, $5,603, $5,590, $9,371, and $25,000.

The administrative judge found that the applicant admitted to all six delinquent debts. While he expressed a desire to repay them, he had not made any payments and lacked a realistic plan for doing so. The applicant's financial difficulties were ongoing and remained unresolved at the time of the decision.

Consequently, the administrative judge concluded that the applicant failed to mitigate the security concerns raised by his financial situation. The denial of eligibility for access to classified information was based on the applicant's admitted and unaddressed financial delinquencies, which invoked Disqualifying Conditions AG ¶ 19(b) and AG ¶ 19(c).

Why the Applicant Was Denied

The applicant admitted to six delinquent debts totaling approximately $73,157.
He has not made payments on his debts and lacks a realistic repayment plan.
The applicant's financial difficulties were ongoing and not resolved.

Conditions Referenced

Disqualifying

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

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedJul 27, 2022
Answer filedJul 27, 2022
Hearing heldSep 6, 2023
Decision dateSep 21, 2023

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Demonstrate a Realistic Repayment Plan for Delinquent Debts
Impact of Ongoing Financial Distress on Security Clearance Eligibility

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 applicant has multiple delinquent debts totaling approximately $73,157, including lines of credit and credit card accounts, as well as a charged-off student loan. The judge found that the applicant failed to mitigate the financial concerns, leading to a decision against the applicant for all allegations under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Delinquent debt of $17,723 $17,723	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.b	Delinquent debt of $9,870 $9,870	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.c	Delinquent debt of $5,603 $5,603	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.d	Delinquent debt of $5,590 $5,590	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.e	Delinquent debt of $9,371 $9,371	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.f	Charged-off student loan of $25,000 $25,000	Against Applicant	Student Loan Debt	Admitted	—	—	—

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.