Summary
The applicant, a 39-year-old contractor and former military service member, faced security clearance denial under Guideline F due to significant financial issues, including over $150,000 in delinquent debts. Despite some efforts to address these debts, the applicant failed to provide sufficient documentation of repayment or financial counseling, leading to the conclusion that financial concerns remained unmitigated.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: $34,311 past due on a total mortgage balance of $370,716 - Applicant stated that his ex-wife took responsibility for this mortgage account as part of their divorce (1.a). $27,793 delinquent consumer debt noted as part of Applicant’s CAP (1.b). $11,560 delinquent Federal student loans (1.c). $10,205 delinquent consumer debt noted as part of Applicant’s CAP (1.d). $8,818 delinquent Federal student loans (1.e). $8,329 delinquent Federal student loans (1.f). $8,166 delinquent Federal student loans (1.g). $8,143 delinquent Federal student loans (1.h). $7,147 delinquent consumer debt noted as part of Applicant’s CAP (1.i). $4,800 delinquent consumer debt noted as part of Applicant’s CAP (1.j). $4,022 delinquent consumer debt noted as part of Applicant’s CAP (1.k). $5,791 delinquent Federal student loans (1.l). $5,161 delinquent Federal student loans (1.m). $4,278 delinquent Federal student loans (1.n). $1,233 charged off account that Applicant denies is his debt (1.o). $1,063 delinquent Federal student loans (1.p).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(d). The decision turned on the following: Applicant has multiple delinquent debts totaling over $150,000; No evidence was provided to show that payments on the debt resolution plan commenced as scheduled; Applicant did not demonstrate that he has received formal financial counseling or that his debts are under control.
Why the applicant was denied
- Applicant has multiple delinquent debts totaling over $150,000.
- No evidence was provided to show that payments on the debt resolution plan commenced as scheduled.
- Applicant did not demonstrate that he has received formal financial counseling or that his debts are under control.
Conditions referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors
Key rule quoted
“The protection of the national security is the paramount consideration.”
Procedural posture
- SOR issuedDec 31, 2015
- Answer filedMar 11, 2016Notarized response to SOR.
- Hearing heldOct 13, 2016
- Decision dateMar 31, 2017
Cite for
- Financial Considerations Under Guideline F
- Impact of Unresolved Delinquent Debts on Security Clearance Eligibility
- Importance of Documentary Evidence in Debt Repayment Plans