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ISCR Case 24-00124 — CASE

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ISCR Case 24-00124

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

Case Profile
Decision Date5/2/2024
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Edward W. Loughran
Government Counsel: Aubrey M. De Angelis
Case Summary
The applicant in this case was a 38-year-old prospective employee of a defense contractor who had previously worked for the company until being laid off in February 2024 due to the lack of a security clearance. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F, specifically related to financial considerations, alleging five delinquent debts totaling $14,140.
During the proceedings, the applicant admitted to owing the debts but provided evidence of their resolution. He had settled four of the five debts and was in the process of making payments on the largest debt, which he had settled for $8,500. The applicant acknowledged his past financial negligence but expressed a commitment to improving his financial situation, stating that he had taken significant steps to address his debts and was motivated to achieve financial stability for his family.
The administrative judge ruled in favor of the applicant, concluding that he had mitigated the financial concerns. The judge noted that the applicant's actions demonstrated a good-faith effort to resolve his debts and that his financial issues did not cast doubt on his current reliability or trustworthiness. Ultimately, the judge determined that granting the applicant eligibility for a security clearance was consistent with the national interest.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 24-00124

grantedMay 2, 2024· Hon. Edward W. Loughran· hearing

Summary

A 38-year-old defense contractor employee was granted eligibility for access to classified information despite initial security concerns under Guideline F (Financial Considerations). The Statement of Reasons (SOR) cited five delinquent debts totaling $14,140, including an $11,788 deficiency balance from an auto loan after repossession, and four other collection accounts ranging from $251 to $1,047. These issues raised Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).

However, the applicant successfully mitigated these concerns. All five delinquent debts were resolved or settled after the SOR was issued. Specifically, one $1,047 debt was settled for $618, a $596 account for $388, and a $458 account for $275. A $251 debt was paid in full.

The decision to grant eligibility was based on the applicant's demonstrated commitment to financial stability and responsible behavior. The applicant's actions, including resolving all outstanding debts, indicated a good-faith effort to repay overdue creditors, satisfying Mitigating Conditions AG ¶ 20(a), AG ¶ 20(b), and AG ¶ 20(d).

Why the Applicant Prevailed

All delinquent debts were resolved or settled after the SOR was issued.
The applicant demonstrated a commitment to financial stability and responsible behavior.
The applicant's actions indicated a good-faith effort to repay overdue creditors.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedBehavior Happened so Long Ago or Occurred Under Circumstances Unlikely to Recur
AG ¶ 20(b)appliedConditions Resulting in Financial Problems Were Largely Beyond the Person's Control
AG ¶ 20(d)appliedIndividual Initiated and Is Adhering to a Good-faith Effort to Repay Overdue Creditors

Key Rule Quoted

“A security clearance adjudication is not a debt collection procedure.”

Procedural Posture

SOR issuedFeb 1, 2024
Answer filedFeb 5, 2024
Hearing heldApr 11, 2024
Decision dateMay 2, 2024

Cite For

Mitigation of Financial Concerns Under Guideline F
Good-faith Efforts to Resolve Debts
Whole-person Concept in Security Clearance Evaluations

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: granted

The judge found that the applicant had resolved all five delinquent debts listed under Guideline F, demonstrating a commitment to financial responsibility. As a result, the judge ruled in favor of the applicant on all allegations, concluding that the applicant's financial history does not raise security concerns.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	$11,788 owed on the deficiency balance on an auto loan after the vehicle was repossessed. $11,788	For Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (d) good-faith effort to repay or otherwise resolve debts	Claimed Other
1.b	$1,047 charged-off debt settled for $618. $1,047	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.c	$596 collection account settled for $388. $596	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.d	$458 collection account settled for $275. $458	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.e	$251 debt paid in full with a $251 payment. $251	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (d) good-faith effort to repay or otherwise resolve debts	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

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