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ISCR Case 23-01745 — CASE

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ISCR Case 23-01745

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

Case Profile
Decision Date4/3/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Pamela C. Benson
Government Counsel: Erin P. Thompson
Case Summary
The applicant in this case was a 49-year-old individual seeking a security clearance for the first time, employed as an integration specialist for a government contractor. The Defense Office of Hearings and Appeals (DOHA) addressed allegations under Guideline F, concerning financial considerations, as outlined in the Statement of Reasons (SOR). The SOR detailed 11 delinquent debts totaling approximately $45,000, including child support arrears, credit card debts, and student loans.
During the hearing, the applicant admitted to 11 debts but denied one specific debt. He attributed his financial difficulties to being placed on unpaid administrative leave and subsequent layoffs. While he provided some documentation of payment plans and settlements, he failed to demonstrate consistent efforts to resolve his financial delinquencies. The administrative judge noted that the applicant's financial situation remained largely unresolved, with many debts still outstanding and no substantial evidence of mitigation.
The administrative judge ruled against the applicant, concluding that he did not adequately address the financial concerns raised in the SOR. The judge emphasized the importance of demonstrating responsibility in financial matters for national security eligibility, ultimately denying the applicant's request for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
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Case Headnote

ISCR Case No. 23-01745

deniedApr 3, 2025· Hon. Pamela C. Benson· hearing

Summary

A 49-year-old integration specialist was denied a security clearance under Guideline F (Financial Considerations) due to significant unresolved financial delinquencies. The Statement of Reasons detailed several outstanding debts, including approximately $39,110 in child support arrears, a credit card account referred for collection totaling about $1,650, and an approximate $1,291 debt for patio furniture.

Additional financial issues included a bank account referred for collection for about $932, a finance company credit card debt of approximately $556, and a past-due auto account with WFBNA Auto for about $2,167. The applicant also owed approximately $2,400 in delinquent federal taxes for tax year 2023. While the applicant filed for Chapter 7 Bankruptcy in about June 2020, which was discharged in about October 2020, these other debts remained.

The denial was based on the applicant's failure to demonstrate responsible financial management, with the judge noting that the child support arrears and other debts remained unresolved. This indicated a lack of reliability and trustworthiness, as the applicant did not provide sufficient evidence of efforts to mitigate these financial concerns or fulfill legal obligations.

Why the Applicant Was Denied

The applicant failed to demonstrate responsible financial management regarding his debts.
The applicant's child support arrears and other debts remained unresolved, indicating a lack of reliability and trustworthiness.
The applicant did not provide sufficient evidence of efforts to mitigate financial concerns or fulfill legal obligations.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
AG ¶ 19(f)raisedFailure to Pay Annual Federal, State, or Local Income Tax as Required

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”

Procedural Posture

SOR issuedOct 4, 2023
Answer filed—
Hearing heldJan 7, 2025Hearing held as scheduled.
Decision dateApr 3, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Delinquencies
Importance of Fulfilling Legal Obligations for Security Clearance Eligibility
Failure to Demonstrate Responsible Financial Management as a Disqualifying Factor

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 multiple financial concerns under Guideline F, including a Chapter 7 bankruptcy, child support arrears, and various collection accounts. Ultimately, the judge ruled against the applicant on these allegations, concluding that the applicant failed to demonstrate responsible management of his financial delinquencies.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant filed for Chapter 7 Bankruptcy in about June 2020. The bankruptcy was discharged in about October 2020.	Against Applicant	Bankruptcy Filing	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Applicant is indebted for child support arrearage in the approximate amount of $39,110. $39,110	Against Applicant	Child Support Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	Applicant is indebted to a creditor for a credit card account referred for collection in the amount of $1,650. $1,650	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	Applicant is indebted to a third-party debt collection service in the approximate amount of $1,291, for unpaid patio furniture. $1,291	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	Applicant is indebted to a bank for an account referred for collection in the approximate amount of $932. $932	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f	Applicant is indebted to a finance company for a credit card account referred for collection in the approximate amount of $556. $556	Against Applicant	Credit Card Debt	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.m	Applicant is indebted to WFBNA Auto on an account that is past due in the approximate amount of $2,167. $2,167	Against Applicant	Auto Loan Debt	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.n	Applicant is indebted to the federal government for delinquent taxes in the approximate amount of $2,400 for tax year 2023. $2,400	Against Applicant	Tax Unpaid	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.g–1.l	6 sub-charges — specific text not stated in this decision (for the applicant). (low confidence)	For Applicant			—	—	—

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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