Summary
A 41-year-old retired military member's security clearance application was denied under Guideline F (Financial Considerations) due to 11 delinquent debts totaling approximately $16,695. The Statement of Reasons detailed these debts, which included a repossessed vehicle, a military credit card, cell phone accounts, cable accounts, medical debt, and miscellaneous accounts.
The applicant attributed his financial difficulties to a divorce and unemployment. However, the judge found that the applicant failed to provide sufficient evidence of efforts to resolve these debts or demonstrate responsible financial behavior. Disqualifying conditions AG ¶ 19(a), AG ¶ 19(b), and AG ¶ 19(c) were raised, while mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), and AG ¶ 20(e) were applied.
Ultimately, the application was denied because the applicant had numerous unresolved delinquent debts and did not provide evidence of actions taken to address or resolve them. The judge concluded there was insufficient evidence of responsible financial behavior or financial counseling.
Why the Applicant Was Denied
- Applicant has numerous unresolved delinquent debts totaling approximately $16,695.
- Applicant did not provide evidence of actions taken to address or resolve his debts.
- The judge found insufficient evidence of responsible financial behavior or financial counseling.
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 ¶ 20(b)appliedConditions Largely Beyond ControlApplicant attributed his financial problems to a divorce and unemployment, which were beyond his control.
- AG ¶ 20(a)rejectedBehavior Unlikely to RecurApplicant's financial problems are recent and ongoing.
- AG ¶ 20(c)rejectedFinancial CounselingNo evidence was provided to show Applicant has received financial counseling.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsInsufficient evidence that Applicant initiated a good-faith effort to repay overdue creditors.
- AG ¶ 20(e)rejectedDispute Legitimacy of DebtsApplicant did not provide evidence of disputing any debts.
Key Rule Quoted
“A person who seeks access to classified information enters into a fiduciary relationship with the Government predicated upon trust and confidence.”
Procedural Posture
- SOR issuedDec 22, 2017
- Answer filedJan 25, 2018Applicant elected to have the case decided on the written record.
- Hearing held—No hearing; decided on the written record.
- Decision dateJul 2, 2018
Cite For
- Insufficient Evidence of Financial Responsibility Under Guideline F
- Impact of Unresolved Debts on Security Clearance Eligibility
- Importance of Demonstrating Efforts to Mitigate Financial Issues