Summary
A 62-year-old truck driver was denied a security clearance due to financial considerations under Guideline F. The applicant admitted to several past-due debts, including approximately $6,836 to Creditor A, $21,514 to Creditor B, and $220 to Creditor D. He also acknowledged a $31,861 federal tax lien from 2018. Additionally, the applicant admitted to filing for Chapter 13 Bankruptcy twice, first in March 2006 and again in July 2015.
While the applicant denied debts to Creditor C ($410) and Creditor E (approximately $469), the judge found that his ongoing financial issues and failure to mitigate security concerns were significant. Disqualifying conditions related to financial difficulties were raised, and several mitigating conditions were considered.
Ultimately, the security clearance was denied because the applicant had over $31,000 in unaddressed past-due indebtedness, including the federal tax lien. The judge concluded that the applicant's financial problems were ongoing, with a long history of delinquencies and no demonstrated likelihood of resolution, making the grant of a security clearance inconsistent with national interest.
Why the Applicant Was Denied
- The applicant has over $31,000 in past-due indebtedness that he has yet to address, including a $31,861 Federal Tax lien.
- The applicant's financial problems are ongoing, with a long history of delinquencies and no demonstrated likelihood of resolution.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns or Failure to Pay Annual Federal, State, or Local Income Tax as Required
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 20(c)rejectedReceived or Is Receiving Financial Counseling From a Legitimate and Credible Source
- AG ¶ 20(d)rejectedInitiated and Is Adhering to a Good-faith Effort to Repay Overdue Creditors
- AG ¶ 20(e)rejectedHas a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
- AG ¶ 20(g)rejectedHas Made Arrangements with the Appropriate Tax Authority to File or Pay the Amount Owed
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedDec 31, 2024
- Answer filedJan 23, 2025
- Hearing heldAug 7, 2025
- Decision dateOct 6, 2025
Cite For
- Denial of Security Clearance Due to Ongoing Financial Issues Under Guideline F
- Failure to Mitigate Financial Considerations Despite Counseling Efforts
- Impact of Financial History on National Security Eligibility