Summary
The applicant, a 27-year-old machinist with two children, faced security concerns under Guideline F due to approximately $25,000 in delinquent debts, including judgments and collection accounts. Despite admitting to some debts and citing youthful indiscretion, the applicant failed to provide sufficient evidence of resolution or proactive measures to address his financial issues, leading to the denial of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: for a student loan in the amount of $4,863 (1.a). for a collection account, for a phone company, in the amount of $1,305 (1.b). for a loan in collection in the amount of $1,177 (1.c). for a collection account in the amount of $812 (1.d). for a collection account as a result of a cable account in the amount of $544 (1.e). for an old account in the amount of $461 (1.f). a judgment in the amount of $960 (1.g). a judgment in the amount of $4,060 (1.h). a judgment in the amount of $6,749 (1.i). for a medical account in the amount of $447 (1.k). for another medical account in the amount of $160 (1.l). for an insurance company in the amount of $504 (1.m). for an insurance company in the amount of $1,865 (1.n). for another medical account in the amount of $180 (1.o).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(d), AG ¶ 20(c). The decision turned on the following: The applicant incurred significant delinquent debt totaling about $25,000, including judgments and collection accounts; He did not provide documentation to support claims of debt resolution or payment arrangements; The applicant admitted to living beyond his means and did not take the security process seriously until recently.
Why the Applicant Was Denied
- The applicant incurred significant delinquent debt totaling about $25,000, including judgments and collection accounts.
- He did not provide documentation to support claims of debt resolution or payment arrangements.
- The applicant admitted to living beyond his means and did not take the security process seriously until recently.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to RecurThe applicant's financial difficulties occurred within the past nine years and remain unresolved.
- AG ¶ 20(b)rejectedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person’s ControlWhile the applicant experienced unemployment, he admitted to living beyond his means.
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not provide evidence of good-faith efforts to resolve debts.
- AG ¶ 20(c)rejectedThe Person Has Received or Is Receiving Counseling for the ProblemThere are no indications that the applicant is receiving financial counseling.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedOct 15, 2015
- Answer filed—
- Hearing heldJul 15, 2016Record kept open until 07/29/2016 for additional documentation.
- Decision dateAug 5, 2016
Cite For
- Failure to Provide Evidence of Debt Resolution Under Guideline F
- Impact of Financial Irresponsibility on Security Clearance Eligibility
- Importance of Proactive Measures in Mitigating Financial Concerns