Summary
A 51-year-old software developer was denied a security clearance under Guideline F (Financial Considerations) due to a history of financial difficulties. The Statement of Reasons detailed multiple delinquent debts, including five credit card accounts totaling over $36,000 that had been referred for collection, and a delinquent medical bill for $1,347. Additionally, the applicant failed to timely file his federal income tax return for 2009.
Further financial concerns included owing approximately $6,229 in federal income taxes and about $2,294 in state income taxes for tax year 2012, with payments not commencing until 2015 for both. Disqualifying conditions under Guideline F were raised, though several mitigating conditions were also considered.
Ultimately, the judge concluded that the applicant did not sufficiently address the security concerns. The denial was based on the multiple delinquent debts totaling over $36,000 that remained unresolved, the lack of evidence demonstrating current financial stability through income and expenses, and the recent and numerous nature of his financial issues, which raised concerns about his reliability and judgment.
Why the Applicant Was Denied
- The applicant had multiple delinquent debts totaling over $36,000, which he failed to resolve adequately.
- He did not provide evidence of current income and expenses to demonstrate financial stability.
- The applicant's financial issues were recent and numerous, raising concerns about his reliability and judgment.
Conditions Referenced
- 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
- AG ¶ 19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns or Failure to Pay Annual Federal, State, or Local Income Tax as Required
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- AG ¶ 20(g)appliedArrangements with the Appropriate Tax Authority to File or Pay the Amount Owed
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(c)rejectedReceived Financial Counseling From a Legitimate and Credible Source
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedSep 29, 2016
- Answer filedOct 26, 2017Requested decision on the record without a hearing.
- Hearing held—No hearing held.
- Decision dateOct 27, 2017
Cite For
- Denial Based on Multiple Delinquent Debts Under Guideline F
- Consideration of Financial Circumstances Beyond the Applicant's Control
- Evaluation of Good-faith Efforts to Resolve Financial Issues