CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 24-00652 — CASE

Case record

ISCR Case 24-00652

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

Case Profile
Decision Date1/15/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Mark W. Harvey
Government Counsel: Sakeena Farhath
Case Summary
The applicant in this case was a 40-year-old senior logistics specialist who had held a security clearance since 2003. The Department of Defense's Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing concerns under Guideline E (personal conduct) and Guideline F (financial considerations). The core allegations included multiple delinquent debts totaling over $44,000, a Chapter 7 bankruptcy discharged in 2016, and a judgment for $7,611.
During the proceedings, the applicant admitted responsibility for most of the debts but argued that they were not security significant due to his efforts to resolve them. He provided evidence of a financial plan to address his delinquent accounts and indicated that his spouse had recently completed her nursing degree, which improved their financial situation. However, he had not sought formal financial counseling and had a history of missed payments, which he attributed to financial difficulties stemming from family obligations and the COVID-19 pandemic.
The administrative judge ruled that the concerns under Guideline E were mitigated, but those under Guideline F were not. The judge concluded that the applicant's financial issues were significant and ongoing, and despite some efforts to address them, they posed a risk to national security. Consequently, the applicant's eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline EPersonal Conduct · For Applicant
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 24-00652

deniedJan 15, 2025· Hon. Mark W. Harvey· hearing

Summary

A 40-year-old senior logistics specialist with military service was denied a U.S. DOHA security clearance due to unresolved financial issues, primarily under Guideline F (Financial Considerations) and Guideline E (Personal Conduct). The applicant's financial history included a Chapter 7 bankruptcy and multiple delinquent debts, which raised significant doubts about his reliability and trustworthiness.

While the applicant's personal conduct concerns were mitigated, the judge found that the financial considerations were not sufficiently resolved. Specifically, the applicant's reliance on the statute of limitations for debt resolution was deemed misplaced.

The decision cited disqualifying conditions AG ¶ 19(a) and AG ¶ 19(c), while applying mitigating conditions AG ¶ 20(a), AG ¶ 20(b), and AG ¶ 20(d). Ultimately, the judge concluded that the unresolved financial issues warranted a denial of the security clearance.

Why the Applicant Was Denied

The applicant had unresolved financial issues, including a Chapter 7 bankruptcy and multiple delinquent debts.
The applicant's financial history raised significant doubts about his reliability and trustworthiness.
The applicant's reliance on the statute of limitations for debt resolution was deemed misplaced.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedBehavior Happened so Long Ago
AG ¶ 20(b)appliedConditions Beyond the Person's Control
AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant did not establish a meaningful financial track record.

Key Rule Quoted

“Failure to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified or sensitive information.”

Procedural Posture

SOR issuedApr 2, 2024
Answer filed—
Hearing heldOct 30, 2024via Microsoft Teams
Decision dateJan 15, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Mitigation of Personal Conduct Concerns Under Guideline E
Impact of Financial History 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.

Full decision

The complete, official text — footnotes and signatures included — is in the original PDF.