Summary
A 42-year-old divorced woman with two Associate’s degrees was denied a security clearance under Guideline F (Financial Considerations) due to significant, unresolved delinquent debts. The Statement of Reasons alleged a charged-off debt of $6,953 from a car repossession and a total of $12,890 in delinquent debt accumulated from 2013 to the present, all of which remained unpaid. Disqualifying conditions F.1.a and F.1.c were raised, while mitigating conditions F.2.b and F.2.c were considered.
The denial was based on the finding that the applicant had 21 delinquent debts totaling $12,890, none of which had been paid in the past four years. The judge determined that the applicant's financial situation was not under control.
Despite the applicant's claims of financial hardship due to job loss and personal circumstances, the judge found insufficient evidence of debt management or resolution efforts. Her claims regarding future employment and debt resolution were deemed speculative, leading to the denial of her security clearance application.
Why the Applicant Was Denied
- The applicant has 21 delinquent debts totaling $12,890, which remain unpaid.
- The applicant's financial situation is not under control, as none of the debts have been paid in the past four years.
- The applicant's claims of future employment and debt resolution are speculative and lack evidence.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- F.2.bappliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- F.2.crejectedThe Person Has Received or Is Receiving Counseling for the ProblemThe applicant's credit counseling was limited and did not indicate effective management of her debts.
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of national security.”
Procedural Posture
- SOR issuedApr 27, 2016
- Answer filedMay 19, 2016
- Hearing heldMar 13, 2017
- Decision dateJun 7, 2017
Cite For
- Denial Based on Significant Unpaid Debts Under Guideline F
- Insufficient Evidence of Financial Management and Resolution Efforts
- Speculative Claims Regarding Future Employment and Debt Repayment Plans