Summary
The applicant, a 52-year-old business analyst with 30 years of security clearance history, faced financial concerns under Guideline F due to her husband's job loss and subsequent financial distress. Despite admitted delinquent debts, the applicant demonstrated responsible financial behavior and resolution of debts, leading to a favorable decision.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: voluntary petition for a Chapter 13 bankruptcy which was dismissed in 2009 (1.a). 2009 judgment (1.b). collection account in the amount of $54,415.00 (1.c). collection account in the amount of $7,073 (1.d).
The judge granted 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 resolved the debts alleged in the SOR, demonstrating responsible financial behavior; The applicant's financial difficulties were primarily due to her husband's job loss, which was beyond her control; The applicant has maintained stable employment and is currently in good financial standing.
Why the Applicant Prevailed
- The applicant resolved the debts alleged in the SOR, demonstrating responsible financial behavior.
- The applicant's financial difficulties were primarily due to her husband's job loss, which was beyond her control.
- The applicant has maintained stable employment and is currently in good financial standing.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- 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)appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person’s Control
- AG ¶ 20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- AG ¶ 20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedJun 13, 2016
- Answer filed—Timely response requested a hearing.
- Hearing heldMar 16, 2017Applicant testified and presented evidence.
- Decision dateApr 17, 2017
Cite For
- Mitigating Conditions Under Guideline F for Financial Considerations
- Impact of Financial Distress Due to Loss of Employment on Security Clearance Eligibility
- Whole-person Concept in Evaluating Security Clearance Cases