CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 24-00896 — CASE

DOHA Record Explorer

ISCR Case 24-00896

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

Case Profile
Decision Date3/6/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: George A. Hawkins
Case Summary
The applicant, a 47-year-old former U.S. Navy service member seeking a position with a government contractor, faced security concerns under Guideline F (financial considerations) due to five delinquent accounts totaling approximately $33,933. The Statement of Reasons (SOR) issued by the Defense Counterintelligence and Security Agency outlined these financial issues, which included credit card debts and a residual car loan after repossession. The applicant admitted to all debts in his response to the SOR and in previous interrogatories.
The administrative judge found that the applicant's financial difficulties were significant and unresolved, as he had not provided evidence of any payments or a plan to address his debts. Although he cited circumstances such as the pandemic and his separation from his wife as contributing factors to his financial situation, the judge noted that he failed to demonstrate responsible actions taken to mitigate these issues. The applicant's financial worksheet indicated a net monthly income of approximately $8,000 against total monthly expenses of about $6,500, but there was no evidence of financial counseling or a good-faith effort to repay creditors.
Ultimately, the administrative judge ruled against the applicant, concluding that he had not mitigated the security concerns related to his financial situation. The judge emphasized that the unresolved nature of the debts and the lack of evidence showing responsible financial management raised doubts about the applicant's reliability and trustworthiness, leading to the denial of his eligibility for access to classified information.
Guidelines Evaluated
- 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. 24-00896

deniedMar 6, 2025· Hon. Robert E. Coacher· hearing

Summary

A 47-year-old former U.S. Navy member was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The applicant admitted to five delinquent accounts totaling approximately $33,933, which included three delinquent credit card debts of $21,108, $364, and $3,149, respectively. Additionally, a delinquent automobile loan for a repossessed car accounted for $7,501 of the total debt.

The Statement of Reasons specifically cited these five delinquent accounts. Disqualifying conditions under Adjudicative Guideline Paragraphs 19(a) and 19(c) were raised.

The denial was based on the applicant's failure to mitigate these financial concerns. Despite admitting to the debts, he did not provide evidence of payment or a concrete plan to address them. Consequently, the judge concluded that significant security concerns remained, leading to the denial of the security clearance.

Why the Applicant Was Denied

The applicant failed to mitigate financial concerns related to five delinquent accounts totaling approximately $33,933.
He admitted to the debts but did not provide evidence of payment or a plan to address them.
The judge found that the applicant's financial issues raised significant security concerns.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedJul 24, 2024
Answer filedAug 12, 2024Applicant elected to have the case decided on the written record.
Hearing held—Decision made based on written record.
Decision dateMar 6, 2025

Cite For

Failure to Mitigate Financial Concerns Under Guideline F
Significant Security Concerns Due to Unresolved Debts
Lack of Evidence for Financial Responsibility and Planning

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 judge found that the applicant had multiple unresolved debts totaling approximately $33,933, including delinquent credit card debts and an automobile loan for a repossessed car. Despite the applicant's claims of intending to make payments, the judge concluded that the applicant failed to demonstrate a good-faith effort to address these financial issues, resulting in a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant owed five delinquent accounts totaling approximately $33,933. $33,933	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.b	Delinquent credit card debt of $21,108. $21,108	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.c	Delinquent credit card debt of $364. $364	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.d	Delinquent credit card debt of $3,149. $3,149	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.e	Delinquent automobile loan for a repossessed car totaling $7,501. $7,501	Against Applicant	Auto Loan Debt	Admitted	—	—	—

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.