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ISCR Case 22-02471 — CASE

Case record

ISCR Case 22-02471

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

Case Profile
Decision Date9/20/2023
Statusdenied
LevelHEARING
TypeADP POSITION
Participants
Applicant Representation: Pro Se
Judge: Edward W. Loughran
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 36-year-old employee of a defense contractor seeking a public trust position. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F (financial considerations), alleging 15 delinquent debts totaling approximately $44,000. The applicant admitted to owing all the debts listed in the SOR, which were reflected in multiple credit reports from 2020 to 2023.
During the proceedings, the applicant acknowledged past financial irresponsibility and admitted to not having paid any of the debts aside from child support, which was being garnished. She expressed intentions to devise a plan to address her debts but had not sought credit counseling or made any substantial efforts to resolve her financial issues. The administrative judge found that while some debts were mitigated due to circumstances surrounding them, the applicant's overall financial situation remained concerning and unresolved.
The administrative judge ruled against the applicant, concluding that she did not mitigate the trustworthiness concerns related to her financial considerations. The judge emphasized that the applicant's ongoing financial issues raised doubts about her reliability and judgment, ultimately denying her eligibility for access to sensitive information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-02471

deniedSep 20, 2023· Hon. Edward W. Loughran· hearing

Summary

A 36-year-old defense contractor employee was denied eligibility for a public trust position under Guideline F (Financial Considerations). The denial stemmed from 15 delinquent debts totaling approximately $44,000, which included financing for a sofa. The applicant also has a monthly child support obligation of $224 for her younger child.

Disqualifying conditions cited included a history of financial problems and delinquent debts. While some mitigating conditions were applied, the applicant's overall financial irresponsibility and lack of a concrete repayment plan for the majority of her debts were central to the decision.

The denial emphasized that the applicant had made no payments on most of her debts, excluding child support, and her stated future intentions to resolve them did not compensate for a lack of an established repayment history.

Why the Applicant Was Denied

The applicant has 15 delinquent debts totaling approximately $44,000, indicating financial irresponsibility.
The applicant has not made any payments on the majority of her debts, except for child support, and lacks a repayment plan.
The applicant's intentions to resolve her debts in the future do not substitute for a track record of debt repayment.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlThe applicant did not demonstrate that her financial problems were largely beyond her control.
AG ¶ 20(c)rejectedReceived Financial CounselingThe applicant has not received any financial counseling.
AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant has not made a good-faith effort to repay her debts.

Key Rule Quoted

“Intentions to resolve financial problems in the future are not a substitute for a track record of debt repayment or other responsible approaches.”
— ISCR Case No. 11-14570 at 3 (App. Bd. Oct. 23, 2013)

Procedural Posture

SOR issuedDec 22, 2022
Answer filedDec 28, 2022
Hearing heldAug 21, 2023rescheduled from August 3, 2023
Decision dateSep 20, 2023

Cite For

Financial Irresponsibility as a Basis for Denial Under Guideline F
Lack of a Repayment Plan as a Significant Factor in Trustworthiness Concerns
The Importance of a Track Record of Debt Repayment in Mitigating Financial Issues

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, which raised significant trustworthiness concerns. While the applicant was found to have a valid defense regarding a sofa debt, the overall financial situation was deemed insufficiently mitigated, leading to a denial of the application.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a history of financial problems and delinquent debts. $44,000	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Applicant stated the debt was the financing for a new sofa that she bought or rented. $3,057	For Applicant	Personal Loan Debt	Admitted	—	—	Claimed Other
1.j	Applicant is required to pay $224 per month in child support for her younger child. $224	For Applicant	Child Support Debt	Admitted	—	—	—
1.c–1.o	12 sub-charges — specific text not stated in this decision (against the applicant).	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.