Summary
The applicant, a 42-year-old defense contractor employee, faced security clearance denial under Guideline F due to significant financial issues, including 13 delinquent debts totaling approximately $150,485, a history of unpaid taxes, and a home foreclosure. Despite efforts to address her financial situation, the judge found insufficient evidence of current compliance with repayment plans and a lack of documentation regarding her student loans, leading to the conclusion that granting clearance was not consistent with national interest.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: a mortgage home foreclosure in 2011 (1.a). unpaid state taxes from 2002 through 2009, in the amount of $1,734.25 (1.b). unpaid federal taxes for the years 2002 through 2009, in the amount of $8,818 (1.c). a 2016 medical account in the amount of $518 (1.d). a collection account in the amount of $341 (1.e). a medical account in the amount of $155 (1.f). a 2012 state tax lien in the amount of $1,262 (1.g). a 2006 federal tax lien in the amount of $10,467 (1.h). a judgment in the amount of $5,456 for a vehicle repossession (1.i). student loan collection accounts in the amount of $29,705 (1.j). student loan collection accounts in the amount of $23,737 (1.k). student loan collection accounts in the amount of $10,581 (1.l). this is a consolidation of the above-noted student loans in the total amount of $63,810 (1.m).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(b), AG ¶ 19(c), AG ¶ 19(f). The decision turned on the following: The applicant has 13 delinquent debts totaling approximately $150,485, including unpaid taxes and a home foreclosure; The applicant failed to provide sufficient documentation to demonstrate compliance with repayment plans for her debts, particularly regarding student loans and IRS payments; The applicant's financial issues raised concerns about her reliability and trustworthiness, as she did not meet her burden of proof to alleviate security concerns.
Why the Applicant Was Denied
- The applicant has 13 delinquent debts totaling approximately $150,485, including unpaid taxes and a home foreclosure.
- The applicant failed to provide sufficient documentation to demonstrate compliance with repayment plans for her debts, particularly regarding student loans and IRS payments.
- The applicant's financial issues raised concerns about her reliability and trustworthiness, as she did not meet her burden of proof to alleviate security concerns.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 19(f)raisedFailure to File or Pay Taxes
Key Rule Quoted
“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of national security.”
Procedural Posture
- SOR issuedOct 1, 2016
- Answer filed—Timely answered the SOR.
- Hearing heldSep 29, 2017
- Decision dateNov 9, 2017
Cite For
- Denial of Security Clearance Due to Significant Financial Issues Under Guideline F
- Insufficient Evidence of Financial Responsibility and Compliance with Repayment Plans
- Importance of the Whole-person Concept in Security Clearance Evaluations