CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 24-00924 — CASE

DOHA Record Explorer

ISCR Case 24-00924

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

Case Profile
Decision Date9/19/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Marc E. Curry
Government Counsel: Rhett E. Petcher
Case Summary
The applicant in this case was a 35-year-old married man with three children, seeking a security clearance. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing concerns under Guideline F (financial considerations) and Guideline E (personal conduct). The core allegations included approximately $32,000 in delinquent debt, primarily stemming from a car repossession and medical bills.
During the proceedings, the applicant admitted to all allegations in the SOR and explained that his financial difficulties were due to living in a high-cost area and supporting his family on a limited income. He had been evicted from his home and had not made progress on repaying his debts, despite expressing intentions to file for bankruptcy. The administrative judge noted that while the applicant's financial issues were largely beyond his control, he failed to provide sufficient evidence of efforts to resolve his debts or to demonstrate that he was actively addressing his financial situation.
Ultimately, the administrative judge ruled against the applicant, concluding that he did not mitigate the financial considerations security concerns. The judge emphasized that the applicant's lack of progress in debt repayment and absence of financial counseling indicated insufficient evidence to support his case for security clearance eligibility. Consequently, the applicant's request for a security clearance was denied.
Guidelines Evaluated
- Guideline EPersonal Conduct · Withdrawn
- 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. 24-00924

deniedSep 19, 2025· Hon. Marc E. Curry· hearing

Summary

A 35-year-old married man with three children was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The primary issue was approximately $32,000 in delinquent debt. This included about $17,000 from a 2016 car repossession, roughly $11,000 in medical bills primarily from a knee surgery, and $4,805 in utility bills. Additionally, a student loan and a parking ticket accounted for approximately $750.

The applicant acknowledged the debts and cited high living costs and family responsibilities as contributing factors. However, he did not provide sufficient evidence of efforts to resolve these debts or of seeking financial counseling.

Ultimately, the judge determined that the applicant failed to demonstrate the reliability and trustworthiness required for a security clearance, leading to the denial of his application.

Why the Applicant Was Denied

The applicant admitted to approximately $32,000 in delinquent debt, including significant amounts from a car repossession and medical bills.
He did not provide evidence of any progress in repaying his debts or seeking financial counseling.
The judge concluded that the applicant failed to demonstrate the reliability and trustworthiness necessary for security clearance.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(b)appliedConditions Largely Beyond the Person's ControlThe applicant's financial problems were caused primarily by circumstances beyond his control.
AG ¶ 20(a)rejectedBehavior Happened Long Ago or Infrequently
AG ¶ 20(c)rejectedReceiving Financial Counseling
AG ¶ 20(d)rejectedGood-faith Effort to Repay Creditors

Key Rule Quoted

“The protection of the national security is the paramount consideration.”
— AG ¶ 1(d)

Procedural Posture

SOR issuedJul 29, 2024
Answer filedAug 27, 2024
Hearing heldMay 14, 2025via video teleconference
Decision dateSep 19, 2025

Cite For

Failure to Mitigate Financial Concerns Under Guideline F
Consideration of Circumstances Beyond the Applicant's Control in Financial Matters
Insufficient Evidence of Efforts to Resolve Delinquent Debts

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 that the applicant has significant financial delinquencies totaling approximately $32,000, including debts from a repossessed vehicle, medical bills, utility bills, and a student loan. Despite the applicant's claims of financial hardship and attempts to seek bankruptcy assistance, the judge concluded that the applicant failed to mitigate the financial concerns, resulting in a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has approximately $32,000 of delinquent debt, as alleged in the SOR. $32,000	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	The majority, totaling approximately $17,000, constitutes the deficiency from a car that was repossessed in 2016. $17,000	Against Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	Four debts, alleged in subparagraphs 1.b, 1.j, 1.k, and 1.m, totaling approximately $11,000, constitute medical bills, stemming primarily from a knee surgery. $11,000	Against Applicant	Medical Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	Five debts, alleged in subparagraphs 1.c through 1.e, 1.g, and 1.l, totaling $4,805, constitute utility bills. $4,805	Against Applicant	Utility or Phone Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	Subparagraphs 1.f and 1.h, totaling approximately $750, are a student loan bill and a parking ticket, respectively. $750	Against Applicant	Student Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f–1.n	9 sub-charges — specific text not stated in this decision (8 against, 1 for the applicant). (low confidence)	Mixed			—	—	—

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.