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Summary

The applicant, a 57-year-old with two Bachelor's degrees and a Master's degree, sought a security clearance after working for a defense contractor since 2012. The case involved financial difficulties, including multiple delinquent debts totaling $124,768, which the applicant failed to resolve or mitigate. The judge denied the application based on the applicant's inability to demonstrate responsible financial management and the lack of evidence showing efforts to address the debts.

Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: This overdue debt is cited in the SOR for a real estate mortgage account in the amount of $68,393 (1.a). This overdue debt is cited in the SOR for a collection account in the amount of $770 (1.b). This overdue debt is cited in the SOR for a medical account in the amount of $309 (1.c). This overdue debt is cited in the SOR for a medical account in the amount of $212 (1.d). This overdue debt is cited in the SOR for a medical account in the amount of $140 (1.e). This overdue debt is cited in the SOR for a medical account in the amount of $114 (1.f). This overdue debt is cited in the SOR for a medical account in the amount of $99 (1.g). This overdue debt is cited in the SOR for a medical account in the amount of $88 (1.h). This overdue debt is cited in the SOR for a medical account in the amount of $61 (1.i). This overdue debt is cited in the SOR for a medical account in the amount of $31 (1.j). This overdue debt is cited in the SOR for a student loan account in the amount of $11,030 (1.k). This overdue debt is cited in the SOR for a state tax lien account in the amount of $2,447 (1.l). This overdue debt is cited in the SOR for a judgement filed against Applicant in the amount of $905 (1.m). This overdue debt is cited in the SOR for a student loan account in the amount of $16,233 (1.n). This overdue debt is cited in the SOR for a student loan account in the amount of $18,969 (1.o). This overdue debt is cited in the SOR for a collection account in the amount of $3,590 (1.p). This overdue debt is cited in the SOR for a collection account in the amount of $110 (1.q). This overdue debt is cited in the SOR for a collection account in the amount of $204 (1.r). This overdue debt is cited in the SOR for a collection account in the amount of $232 (1.s). This overdue debt is cited in the SOR for a collection account in the amount of $936 (1.t).

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: The applicant accumulated significant delinquent debts totaling $124,768, many of which remain unresolved; The applicant did not provide evidence of a good-faith effort to repay overdue creditors or resolve debts; The applicant's financial problems were not sufficiently mitigated by circumstances beyond her control.

Why the Applicant Was Denied

• The applicant accumulated significant delinquent debts totaling $124,768, many of which remain unresolved.
• The applicant did not provide evidence of a good-faith effort to repay overdue creditors or resolve debts.
• The applicant's financial problems were not sufficiently mitigated by circumstances beyond her control.

Conditions Referenced

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

• SOR issuedOct 13, 2015
• Answer filedNov 2, 2015Applicant requested decision on written record.
• Hearing held—No hearing; decided on written record.
• Decision dateDec 7, 2016

Cite For

• Financial Difficulties Under Guideline F
• Failure to Mitigate Significant Debts
• Whole-person Concept in Security Clearance Evaluations