Summary
A 41-year-old DOD contractor was denied a security clearance under Guideline F, Financial Considerations, due to 12 delinquent debts totaling $11,949. The Statement of Reasons detailed multiple financial issues, including seven delinquent medical accounts ranging from $27 to $272 each.
Additional allegations included a charged-off vehicle debt with a remaining balance of $3,494 after repossession and sale, a charged-off loan for $546, a charged-off student loan for $1,521, another charged-off debt for $5,482, and a telecommunications debt of $285 placed for collection.
Despite acknowledging responsibility for the debts, the applicant failed to provide sufficient evidence of resolution or a concrete plan to address her financial obligations. The record lacked corroborating documentation of payments or arrangements, leading to the conclusion that the security concerns related to her financial considerations were not mitigated, and the clearance was denied.
Why the Applicant Was Denied
- Applicant admitted responsibility for 12 delinquent debts totaling $11,949.
- She did not provide sufficient evidence of resolution of her financial issues.
- The record lacked corroborating documentation of payments or plans to address the debts.
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 ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Occurred Under Circumstances Unlikely to RecurApplicant's debts were recent and ongoing.
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlWhile circumstances were beyond her control, she did not act responsibly to resolve the debts.
- AG ¶ 20(c)rejectedReceived or Is Receiving Financial CounselingApplicant did not receive financial counseling.
- AG ¶ 20(d)rejectedInitiated and Is Adhering to a Good-faith Effort to Repay Overdue CreditorsNo evidence of good-faith efforts to resolve debts was provided.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant did not provide documented proof to substantiate any disputes.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedMay 1, 2016
- Answer filedJul 5, 2016Applicant did not request a hearing.
- Hearing held—
- Decision dateJul 31, 2017
Cite For
- Insufficient Evidence of Financial Responsibility Under Guideline F
- Lack of Corroborating Documentation for Debt Resolution
- Presumption Against Granting Security Clearance Due to Financial Concerns