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ISCR Case 22-02372 — CASE

Case record

ISCR Case 22-02372

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

Case Profile
Decision Date8/26/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Related decisionSee the appeal decision (Case ISCR Case No. 22-02372) →
Participants
Applicant Representation: Pro Se
Judge: Nichole L. Noel
Government Counsel: William H. Miller
Case Summary
The applicant in this case was a 52-year-old individual employed in aircraft maintenance for a federal contractor since July 2020. The Department of Defense (DOD) issued a Statement of Reasons (SOR) citing security concerns under the financial considerations guideline, specifically alleging that the applicant had ten delinquent accounts totaling $22,084 and had previously filed for Chapter 13 bankruptcy protection. The applicant admitted to accumulating debts but contended that some had been resolved through a credit repair service, although he lacked documentation to support this claim.
During the hearing, the applicant acknowledged his financial difficulties, which began while he was on active duty, and admitted to the debts listed in the SOR. He provided some evidence of resolving non-SOR debts but did not demonstrate a clear plan or significant action to address the delinquent accounts cited in the SOR. The administrative judge ruled against the applicant, concluding that he had not sufficiently mitigated the financial concerns and that his financial disorganization raised questions about his reliability and trustworthiness. Consequently, the judge determined that granting the applicant a security clearance was not consistent with the national interest, resulting in a denial of his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-02372

deniedAug 26, 2024· Hon. Nichole L. Noel· hearing

Summary

A 52-year-old aircraft maintenance worker was denied a security clearance under Guideline F (Financial Considerations) due to unresolved delinquent debts totaling $22,084. The Statement of Reasons cited the applicant's history of financial problems, including a previous bankruptcy filing, and a lack of sufficient evidence that he had addressed his delinquent debt.

The administrative judge determined that the applicant failed to demonstrate effective financial management after his bankruptcy protection was discharged. Disqualifying conditions under Guideline F, specifically paragraphs 19(b) and 19(c), were raised because the applicant did not provide adequate evidence of resolving his debts.

Ultimately, the denial was based on the applicant's ongoing financial issues and his failure to present a credible plan to resolve his outstanding obligations. This led to the conclusion that he was unsuitable for access to classified information.

Why the Applicant Was Denied

The applicant did not provide sufficient evidence of addressing his delinquent debts.
He failed to demonstrate effective financial management after bankruptcy protection was discharged.
The applicant's financial issues were ongoing and he did not present a credible plan to resolve his debts.

Conditions Referenced

Disqualifying

AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of Ability to Do So
AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations

Key Rule Quoted

“Security clearance adjudications are not debt collection proceedings. Rather the purpose of the adjudication is to make an examination of a sufficient period of a person’s life to make an affirmative determination that the person is an acceptable security risk.”

Procedural Posture

SOR issuedDec 28, 2022
Answer filed—
Hearing heldDec 4, 2023
Decision dateAug 26, 2024

Cite For

Denial of Security Clearance Due to Unresolved Financial Obligations
Failure to Demonstrate Financial Responsibility Post-bankruptcy
Ongoing Financial Issues Impacting 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 judge found that the applicant has a history of financial problems, including a bankruptcy filing and multiple delinquent debts. The applicant's failure to adequately address these debts led to a decision against granting security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.b	Applicant has a history of financial problems that necessitated his filing for bankruptcy protection. $22,484	Against Applicant	Unspecified Financial	Admitted	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Financial Counseling
1.c	Applicant did not provide sufficient evidence that he has addressed his delinquent debt. $22,484	Against Applicant	Unspecified Financial	Unknown	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Financial Counseling

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.