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ISCR Case 22-01532 — CASE

Case record

ISCR Case 22-01532

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

Case Profile
Decision Date6/14/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Gatha Manns
Government Counsel: Patricia M. Lynch-Epps
Case Summary
The applicant in this case was a 47-year-old machine operator employed by defense contractors since February 2019. The Department of Defense (DOD) issued a Statement of Reasons (SOR) citing security concerns under Guideline F (Financial Considerations), alleging nine delinquent debts totaling approximately $30,306. The applicant admitted to all allegations in the SOR, attributing his financial difficulties primarily to medical debts incurred after the birth of his daughter in 2012 and stating that he was the sole income-earner for his family.
The administrative judge found that the applicant's financial issues were ongoing and numerous, with no evidence presented to demonstrate that he had taken steps to resolve his debts. Although he claimed to have plans to negotiate with creditors or seek assistance from a debt repayment company, there was no documentation to support these assertions. The judge noted that the applicant's reliance on wage garnishment did not equate to a good-faith effort to address his financial problems. Ultimately, the judge ruled to deny the applicant's eligibility for a security clearance, concluding that the applicant had not sufficiently mitigated the financial concerns that raised questions about his reliability and trustworthiness.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-01532

deniedJun 14, 2023· Hon. Gatha Manns· hearing

Summary

A 47-year-old machine operator was denied a security clearance under Guideline F (Financial Considerations) due to approximately $30,306 in delinquent debts. The Statement of Reasons (SOR) alleged a history of financial problems, including outstanding delinquent debts, with some accounts noted as duplicates. The administrative judge identified disqualifying conditions under Adjudicative Guidelines (AG) ¶ 19(a) and AG ¶ 19(c).

The applicant admitted to all allegations regarding the delinquent debts. While he attributed his financial difficulties to medical debts, he failed to provide sufficient evidence of responsible actions taken to mitigate these concerns. Specifically, he did not demonstrate efforts to resolve his financial issues or to negotiate with creditors.

The administrative judge concluded that the applicant's ongoing financial problems raised doubts about his reliability and trustworthiness, leading to the denial of his security clearance.

Why the Applicant Was Denied

The applicant admitted to all allegations of delinquent debts totaling approximately $30,306.
The applicant failed to provide evidence of efforts to resolve his financial issues or to negotiate with creditors.
The applicant's financial problems were ongoing and cast doubt on his reliability and trustworthiness.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(c)appliedA History 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 issuedOct 3, 2022
Answer filedNov 15, 2022Applicant elected to have the case decided on the written record.
Hearing held—No hearing; decided on written record.
Decision dateJun 14, 2023

Cite For

Denial of Security Clearance Due to Ongoing Financial Issues Under Guideline F
Insufficient Evidence of Mitigation Efforts for Financial Considerations
Impact of Financial Irresponsibility 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: Decision on RecordDecided: denied

The judge found multiple financial concerns against the applicant, including several delinquent debts totaling over $30,000. Despite the applicant's claims of financial hardship and attempts to resolve the debts, the judge concluded that the applicant did not mitigate the security concerns, resulting in a denial of the clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a history of financial problems, including delinquent debts in this SOR that remain outstanding. $19,353	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other
1.e	The debts alleged in SOR ¶¶ 1.d and 1.e are duplicate accounts. $0	For Applicant	Unspecified Financial	Unknown	—	—	—
1.f	Applicant has a history of financial problems, including delinquent debts in this SOR that remain outstanding. $0	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

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