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ISCR Case 22-02393 — CASE

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ISCR Case 22-02393

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

Case Profile
Decision Date7/10/2024
Statusgranted
LevelHEARING
TypeADP POSITION
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Tara R. Karoian
Case Summary
The applicant in this case was a 42-year-old employee of a government contractor with nearly 20 years of experience in the medical field. He faced trustworthiness concerns under Guideline F, related to financial considerations, due to two delinquent debts: a mortgage account that went into foreclosure and a charged-off account. The applicant admitted to these debts, which stemmed from cosigning loans for his brother-in-law, who failed to make payments.
During the proceedings, the applicant provided testimony and evidence indicating that the debts were linked to a single home purchase transaction and that he had not been informed of the financial issues until legal action was initiated against him. He demonstrated that the mortgage was ultimately resolved through foreclosure, and he received a cancellation of debt form for the charged-off account, which he reported as income. The applicant's current financial situation was stable, with no delinquencies reported aside from the previously mentioned debts.
The administrative judge ruled in favor of the applicant, concluding that the financial issues were a result of a one-time poor decision made out of familial obligation and cultural expectations. The judge found that the applicant's overall financial history and current stability indicated that the circumstances were unlikely to recur, thus mitigating the trustworthiness concerns. The applicant was granted eligibility for access to sensitive information.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 22-02393

grantedJul 10, 2024· Hon. Robert E. Coacher· hearing

Summary

A 42-year-old government contractor was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The Statement of Reasons (SOR) alleged two delinquent debts totaling approximately $60,800, including a charged-off account for about $27,900, which the applicant admitted. These issues raised a disqualifying condition under Adjudicative Guideline (AG) ¶ 19(a).

However, the applicant successfully demonstrated financial recovery and sound current finances. He provided evidence that the debts had been resolved and maintained a good financial record since the incidents occurred.

The judge applied mitigating conditions under AG ¶ 20(a), concluding that the circumstances leading to the debts were unlikely to recur. Based on the applicant's demonstrated financial stability and resolution of past issues, eligibility for access to sensitive information was granted.

Why the Applicant Prevailed

The applicant demonstrated financial recovery and sound current finances.
He provided evidence of resolving the debts and maintaining a good financial record since the incidents.
The judge found that the circumstances surrounding the debts were unlikely to recur.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts

Mitigating

AG ¶ 20(a)appliedBehavior Happened so Long Ago, Was Infrequent, or Occurred Under Circumstances Unlikely to Recur

Key Rule Quoted

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

Procedural Posture

SOR issuedMar 7, 2023
Answer filedMar 16, 2023
Hearing heldMar 7, 2024via video teleconferencing
Decision dateJul 10, 2024

Cite For

Mitigation of Financial Considerations Under Guideline F
Demonstrating Sound Current Finances After Previous Delinquency
The Impact of Cultural Obligations on Financial Decisions

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: granted

The judge found that the applicant had two delinquent debts, including a mortgage account and a charged-off account. Despite these debts, the applicant demonstrated sufficient mitigation through evidence of financial stability and resolution of the debts, leading to a decision in favor of granting the security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant admitted the SOR allegations regarding two delinquent debts. $32,900	For Applicant	Mortgage or Home Loan Debt	Admitted	(a) inability to satisfy debts	(a) behavior happened long ago / infrequent / unlikely to recur	Documented Debt Paid in Full
1.b	Applicant admitted the SOR allegations regarding a charged-off account for approximately $27,900. $27,900	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	(a) behavior happened long ago / infrequent / unlikely to recur	Documented Debt Paid in Full

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.