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ISCR Case 23-02544 — CASE

Case record

ISCR Case 23-02544

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

Case Profile
Decision Date4/30/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: LeRoy F. Foreman
Government Counsel: William H. Miller
Case Summary
Applicant was a 28-year-old composite bonder technician employed by a defense contractor since October 2022. He submitted a security clearance application on April 25, 2023, but was later issued a Statement of Reasons (SOR) on November 27, 2023, citing security concerns under Guideline F (Financial Considerations) due to 19 delinquent debts totaling approximately $38,652. The SOR alleged that these debts indicated a lack of financial responsibility, which could raise questions about his reliability and trustworthiness.
In his response to the SOR, Applicant admitted to all allegations and attributed his financial difficulties to helping his unemployed mother and a brief period of unemployment due to a foot injury. He indicated a willingness to repay his debts and provided evidence of a payment agreement with one creditor. However, he did not submit evidence of payments made or efforts to address the other debts listed in the SOR. The administrative judge noted that while some circumstances were beyond his control, the applicant failed to demonstrate responsible conduct or seek financial counseling.
The administrative judge ruled against Applicant, concluding that he did not mitigate the security concerns related to his financial issues. The judge found that the debts were numerous, recent, and not incurred under circumstances that would make recurrence unlikely. The absence of evidence showing efforts to resolve the debts or seek assistance led to the determination that granting a security clearance was not consistent with national security interests.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-02544

deniedApr 30, 2024· Hon. LeRoy F. Foreman· hearing

Summary

A 28-year-old composite bonder technician was denied a security clearance due to significant financial concerns under Guideline F. The Statement of Reasons alleged 19 delinquent debts, totaling approximately $38,652. These debts raised disqualifying conditions related to an inability or unwillingness to meet financial obligations.

The applicant admitted to all 19 delinquent debts. While he attributed his financial difficulties to assisting his mother and a period of unemployment, he did not provide sufficient evidence of payments or established payment agreements for most of the outstanding amounts. Furthermore, he failed to seek or receive any financial counseling to address his debt situation.

Given the lack of demonstrated financial responsibility or mitigation efforts, the administrative judge concluded that granting the applicant access to classified information was not consistent with national security interests, and the clearance was denied.

Why the Applicant Was Denied

The applicant admitted to 19 delinquent debts totaling approximately $38,652.
He failed to provide evidence of payments or payment agreements for the majority of his debts.
The applicant did not seek or receive financial counseling to address his debts.

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 issuedNov 27, 2023
Answer filedDec 4, 2023
Hearing held—Decision made on the written record.
Decision dateApr 30, 2024

Cite For

Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
Failure to Provide Evidence of Financial Mitigation Efforts
Impact of Delinquent Debts 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 applicant has 19 delinquent debts totaling approximately $38,652, which he admitted to in his response to the Statement of Reasons (SOR). The judge found against the applicant on all allegations under Guideline F, concluding that the applicant did not mitigate the financial concerns raised by his delinquent debts.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	The SOR alleges 19 delinquent debts totaling about $38,652. $38,652	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b–1.s	18 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.