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ISCR Case 15-05426.h1 — CASE

Case record

ISCR Case 15-05426.h1

A decided public DOHA case, shown for research — not advice or a prediction.

Case Profile
Decision Date8/27/2018
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Judge: Thomas M. Crean
Applicant Representation: Pro Se
Case Summary
The judge found that the applicant had sufficient credible information to mitigate financial trustworthiness concerns. Despite having several delinquent debts, the applicant demonstrated a good-faith effort to resolve these debts, leading to a decision in favor of the applicant under Guideline F.
Guidelines Evaluated
- Guideline FFinancial Considerations · Unknown Outcome
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Case Headnote

ISCR Case No. 15-05426.h1

grantedAug 27, 2018· Hon. Thomas M. Crean· hearing

Summary

This case concerns a 52-year-old consultant seeking eligibility for a public trust position, with the decision focusing on Guideline F, Financial Considerations. The Statement of Reasons detailed eight delinquent debts: a $1,219 credit card debt, a $484 telephone service account, a $7,315 car loan, a $1,642 time-share account, a $144 television service account, a $136 waste disposal account, a $4,200 unpaid rent account, and a $2,600 unpaid university tuition account. These allegations raised disqualifying conditions under Adjudicative Guidelines Paragraphs 19(a), 19(b), and 19(c).

However, the judge applied mitigating conditions under Adjudicative Guidelines Paragraphs 20(a), 20(b), and 20(d). The applicant demonstrated a good-faith effort to resolve her financial issues, successfully paying or settling six of the eight debts. Her financial difficulties were attributed to a prolonged period of unemployment, which has since been resolved.

The judge concluded that the applicant's significant efforts to resolve her debts, including paying off several and entering into settlement agreements, mitigated the initial financial concerns. Consequently, eligibility for the public trust position was GRANTED.

Why the Applicant Prevailed

The applicant demonstrated a good-faith effort to resolve her delinquent debts.
Six out of eight debts were paid or settled, showing responsible financial management.
The applicant's financial issues were largely due to a prolonged period of unemployment, which has since been resolved.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Mitigating

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)appliedConditions That Resulted in the Financial Problems Were Largely Beyond the Person’s Control
AG ¶ 20(d)appliedThe Individual Initiated and Is Adhering to a Good-faith Effort to Repay the Overdue Creditors

Key Rule Quoted

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

Procedural Posture

SOR issuedMay 17, 2017
Answer filedSep 5, 2017
Hearing held—Applicant requested a decision on the record.
Decision dateAug 27, 2018

Cite For

Mitigation of Financial Trustworthiness Concerns Under Guideline F
Good-faith Efforts to Resolve Delinquent Debts
Impact of Prolonged Unemployment on Financial Stability

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: Decision on RecordDecided: granted

The judge found that the applicant had sufficient credible information to mitigate financial trustworthiness concerns. Despite having several delinquent debts, the applicant demonstrated a good-faith effort to resolve these debts, leading to a decision in favor of the applicant under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	a credit-card debt charged off for $1,219 $1,219	For Applicant	Credit Card Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.b	a telephone-service account in collection for $484 $484	For Applicant	Utility or Phone Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.c	a car loan charged off for $7,315 $7,315	For Applicant	Auto Loan Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.d	a time-share account in collection for $1,642 $1,642	For Applicant	Unspecified Financial	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.e	a television-service account in collection for $144 $144	For Applicant	Utility or Phone Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.f	a waste-disposal account in collection for $136 $136	For Applicant	Utility or Phone Debt	Admitted	—	(d) good-faith effort to repay or otherwise resolve debts	Documented Debt Paid in Full
1.g	an unpaid rent account of $4,200 $4,200	For Applicant	Unspecified Financial	Admitted	—	—	Claimed Payment Plan with Creditor
1.h	an unpaid tuition account to a university for $2,600 $2,600	For Applicant	Unspecified Financial	Admitted	—	—	Claimed Payment Plan with Creditor

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

The complete, official text — footnotes and signatures included — is in the original PDF.