Summary
A 41-year-old defense contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to multiple delinquent debts totaling approximately $22,348.00. The Statement of Reasons detailed several specific financial obligations. These included two charged-off debts with CAP 1 Bank for approximately $744.00 and $1,521.00, and three collection accounts with Palisades originating from HSBC NV, WAMU/PROVIDIAN, and AT&T, totaling approximately $1,327.00, $2,848.00, and $735.00, respectively.
Further debts included an $11,899.00 collection account with Capital 1 FA, approximately $22,348.00 in delinquent student loan debt, and a $7,092.00 deficiency balance owed to Ford Motor Company following a vehicle repossession. The applicant also had a $194.00 debt to Safeway from a returned check.
The Administrative Judge concluded that the applicant failed to mitigate the financial concerns. Specifically, the applicant did not provide evidence of good-faith efforts to resolve the debts or demonstrate that the financial issues were caused by circumstances beyond his control. This history of an inability or unwillingness to pay debts led to the denial of the security clearance.
Why the Applicant Was Denied
- The applicant has a history of an inability or unwillingness to pay his debts.
- The applicant provided no evidence of a good-faith effort to resolve his debts.
- The applicant did not demonstrate that the financial issues were caused by circumstances beyond his control.
Conditions Referenced
- AG ¶ 19.aappliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19.cappliedHistory of Not Meeting Financial Obligations
- AG ¶ 20.arejectedBehavior Happened Long Ago or InfrequentlyThe applicant's numerous delinquent debts are still outstanding.
- AG ¶ 20.brejectedConditions Largely Beyond the Person's ControlThe applicant presented no evidence indicating his financial issues were beyond his control.
- AG ¶ 20.crejectedReceived Counseling or Evidence of Problem ResolutionThis mitigation condition does not apply.
- AG ¶ 20.drejectedGood-faith Effort to Repay CreditorsThe applicant did not provide evidence of payments made to creditors.
Key Rule Quoted
“Any doubt as to whether access to classified information is clearly consistent with national security will be resolved in favor of the national security.”
Procedural Posture
- SOR issuedDec 21, 2007
- Answer filedFeb 26, 2008
- Hearing held—Applicant appeared Pro Se.
- Decision dateJul 22, 2008
Cite For
- Disqualifying Conditions Under Guideline F Due to Financial Irresponsibility
- Failure to Demonstrate Good-faith Efforts to Resolve Debts
- Impact of Financial Issues on Security Clearance Eligibility