Summary
A 43-year-old defense contractor employee was granted a security clearance despite concerns under Guideline F (Financial Considerations). The Statement of Reasons detailed eight delinquent accounts, including seven collection accounts ranging from $106 to $5,811, and one credit account for $9,257, totaling approximately $20,000. These issues raised Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).
The applicant successfully mitigated these concerns by demonstrating that her financial difficulties stemmed from circumstances beyond her control, specifically a divorce and a medical emergency involving her daughter. She provided documentation of a structured repayment plan for her creditors, showing proactive efforts to manage her debts.
The decision to grant the clearance was further supported by the applicant's stable employment and positive recommendations from her supervisor. Mitigating Conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), and AG ¶ 20(e) were applied, leading to the favorable outcome.
Why the Applicant Prevailed
- The applicant provided documentation of her repayment plan to creditors.
- She demonstrated that her financial difficulties were due to circumstances beyond her control, including a divorce and a medical emergency.
- The applicant's stable employment and good recommendations from her supervisor supported her case.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)appliedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(b)appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's Control
- AG ¶ 20(c)rejectedThe Person Has Received or Is Receiving Counseling for the Problem
- AG ¶ 20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- AG ¶ 20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key Rule Quoted
“The adjudicative process is an examination of a sufficient period of a person’s life to make an affirmative determination that the person is eligible for a security clearance.”
Procedural Posture
- SOR issuedJul 23, 2007
- Answer filed—
- Hearing heldNov 29, 2007via video-teleconference
- Decision dateDec 14, 2007
Cite For
- Mitigation of Financial Issues Under Guideline F Due to Circumstances Beyond Control
- Importance of Structured Repayment Plans in Security Clearance Cases
- Consideration of the Whole Person Concept in Adjudications