Summary
The applicant, a 50-year-old Senior Systems Engineer Consultant with a history of financial difficulties, faced allegations under Guideline F (Financial Considerations) due to significant delinquent debts totaling over $69,738. The judge found that the applicant failed to provide sufficient evidence of debt resolution or financial responsibility, leading to a denial of his security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant failed to file his 2010, 2011, and 2012, state income tax returns (1.a). A state tax lien was issued against the Appellant in April 2014 for unpaid state taxes (1.b). Two federal tax liens were entered against the Applicant, one in May 2011, for $36,075; and the other in October 2011, in the amount of $3,790 (1.c). A judgment filed against the Applicant by a financial institution in the amount of $19,762 for a boat that Applicant purchased and defaulted on remains owing (1.d). A delinquent medical account in the amount of $424 remains owing (1.e). A collection account in the amount of $182 remains owing (1.f). A collection account in the amount of $704 remains outstanding (1.g). A collection account in the amount of $469 remains owing (1.h). A collection account in the amount of $689 remains outstanding (1.i). A collection account in the amount of $264 remains outstanding (1.j). A medical account in the amount of $100 remains owing (1.k). A medical account in the amount of $70 remains owing (1.l). A medical account in the amount of $250 remains outstanding (1.m). A medical account in the amount of $582 remains owing (1.n). A delinquent account owed to Verizon in the amount of $168 remains owing (1.o). A delinquent utility account in the amount of $339 remains owing (1.p). A delinquent child support debt in the amount of $3,060 remains owing (1.q).
The judge denied the clearance. The government raised disqualifying conditions 19.(a), 19.(c). The decision turned on the following: The applicant has a history of financial indebtedness with thirteen delinquent debts totaling over $69,738; The applicant failed to provide documentary evidence to substantiate claims of debt repayment or resolution; The applicant did not demonstrate a meaningful track record of repayment or efforts to address his financial obligations.
Why the Applicant Was Denied
- The applicant has a history of financial indebtedness with thirteen delinquent debts totaling over $69,738.
- The applicant failed to provide documentary evidence to substantiate claims of debt repayment or resolution.
- The applicant did not demonstrate a meaningful track record of repayment or efforts to address his financial obligations.
Conditions Referenced
- 19.(a)raisedInability or Unwillingness to Satisfy Debts
- 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 23, 2015
- Answer filedFeb 19, 2015Applicant elected to proceed without a hearing.
- Hearing held—Determined on a written record.
- Decision dateOct 29, 2015
Cite For
- Financial Irresponsibility Under Guideline F
- Lack of Evidence for Debt Resolution
- Impact of Financial Obligations on Security Clearance Eligibility