Summary
A 38-year-old logistics supply engineer for a Department of Defense contractor was denied a security clearance under Guideline F, Financial Considerations, due to significant unresolved financial issues. The applicant faced allegations concerning multiple debts totaling over $22,000, with the Statement of Reasons noting a lack of documentation for payments on several of these obligations.
While the applicant indicated payment of a $1,103 debt and a payment plan for a $649 debt, and also paid a $148 debt, these actions were insufficient to mitigate the overall concerns. The decision highlighted that the applicant failed to provide adequate documentation demonstrating a responsible plan for repaying the remaining substantial debts.
Ultimately, the denial was based on the applicant's significant unresolved debts exceeding $22,000, the absence of documentation for a responsible repayment plan, and a lack of evidence of credit counseling or clear resolution of the financial problems.
Why the Applicant Was Denied
- Applicant has significant unresolved debts totaling over $22,000.
- Applicant failed to provide documentation of a responsible plan for debt repayment.
- The record lacks evidence of credit counseling or clear indications that financial problems are being resolved.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant was unemployed for over three years.
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue CreditorsApplicant paid one debt of $148.
- AG ¶ 20(c)rejectedReceived or Is Receiving Counseling for the ProblemNo evidence of credit counseling or resolution of financial issues.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedAug 29, 2014
- Answer filedOct 5, 2014Applicant requested a decision on the written record.
- Hearing held—No hearing; decision made on the written record.
- Decision dateFeb 22, 2016
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Importance of Providing Documentation for Debt Repayment Plans
- Consideration of the Whole-person Concept in Security Clearance Evaluations