Summary
The applicant, a 41-year-old defense contractor, faced security clearance denial under Guideline F due to 18 delinquent debts totaling $44,664. Despite admitting to the debts and claiming no new debts since 2006, he provided no evidence of efforts to resolve them or seek financial counseling, leading to concerns about his reliability and judgment.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: A judgment for $4,620 owed to a financial institution since 2004. This debt is unpaid (1.a). A judgment for $1,021 that remains unpaid since 2008 (1.b). A medical debt for $1,330 unpaid since October 2009 (1.c). Another medical debt in the amount of $539 unpaid since 2009 (1.d). A third medical account for $250 delinquent and unpaid since 2009 (1.e). A debt owed to a collector for $915 since 2007 (1.f). A debt owed to a collector for $1,957 that is unpaid since 2009 (1.g). A debt owed to a collector on credit card purchases in the amount of $1,743 since 2009 (1.h). A debt owed to a collector on a credit card account in the amount of $785 since 2004 (1.i). A debt owed to a bank in the amount of $1,808 owed since 2004 and remaining unpaid (1.j). A debt owed on a cable television bill in the amount of $92. It remains unpaid (1.k). A debt owed to a bank in the amount of $409 remains unpaid. It originated in 2004 (1.l). A $3,515 debt owed to a bank on an auto loan delinquent since 2005. The car was repossessed (1.m). A debt owed on a credit card in the amount of $1,677 since 2009 (1.n). A debt owed to a bank in the amount of $557 since 2009. This debt remains unpaid (1.o). A debt for a telephone account owed to a collector in the amount of $74. This debt remains unpaid (1.p). A debt owed on a credit card in the amount $586 since 2009 (1.q). Applicant’s wages were garnished in the amount of $22,783 to repay education loans owed to the U.S. Department of Education from October 2008 to the present. The loans started in 2002 and continued to 2006. The garnishment order remains in effect, taking $560 monthly from Applicant’s income (1.r).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: Applicant has 18 delinquent debts totaling $44,664, which he has not resolved; He did not provide evidence of a good-faith effort to repay or resolve his debts; Applicant has not sought financial counseling or disputed the legitimacy of the debts.
Why the Applicant Was Denied
- Applicant has 18 delinquent debts totaling $44,664, which he has not resolved.
- He did not provide evidence of a good-faith effort to repay or resolve his debts.
- Applicant has not sought financial counseling or disputed the legitimacy of the debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified information.”
Procedural Posture
- SOR issuedJan 26, 2010
- Answer filedFeb 23, 2006Applicant submitted his e-QIP.
- Hearing held—Applicant requested decision on written record.
- Decision dateAug 3, 2010
Cite For
- Denial Based on Significant Delinquent Debt Under Guideline F
- Lack of Evidence for Financial Responsibility
- Failure to Mitigate Financial Concerns Affecting Security Clearance Eligibility