Summary
A 46-year-old defense contractor employee was denied a security clearance due to significant financial delinquencies under Guideline F (Financial Considerations). The Statement of Reasons detailed eleven specific debts, including charged-off accounts and those turned over for collection.
Outstanding debts included approximately $2,244.00 to RADIO/SAMDC, $6,033.00 to PALISADES (originating with Wells Fargo), $9,310.00 to BCO Bilbao, $999.00 to M. Berrios, $481.00 to MOVISTAR, and $3,886.00 to Discover Financial. The applicant had satisfied some debts, including $50.00 to CingularPR, $378.00 to LVNV FUNDING, $1,025.00 to International Home Products, $257.00 to AT&T, and $635.00 to Sprint, all resolved in either August or October 2008.
Despite some efforts to address his financial issues, the applicant's security clearance was denied. The decision cited a history of conduct indicating an inability or unwillingness to pay debts, with most indebtedness remaining outstanding despite available funds. Furthermore, the applicant did not take action to address his delinquent debts until after receiving the Statement of Reasons.
Why the Applicant Was Denied
- The applicant has a history of conduct indicating an inability or unwillingness to pay his debts.
- Most of the applicant's indebtedness remains outstanding despite having the funds to repay them.
- The applicant did not take action to address his delinquent debts until he received the SOR.
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 financial difficulties are recent and ongoing.
- AG ¶ 20.brejectedConditions Largely Beyond the Person's ControlThe applicant did not provide sufficient explanation for his unemployment.
- AG ¶ 20.crejectedReceived Counseling or Indications of Problem ResolutionThe financial problem is not under control.
- AG ¶ 20.drejectedGood-faith Effort to Repay DebtsThe applicant did not take action to address debts until after receiving the SOR.
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 issuedAug 5, 2008
- Answer filedAug 28, 2008
- Hearing held—Applicant represented himself.
- Decision dateJan 27, 2009
Cite For
- Disqualifying Conditions Under Guideline F Due to Financial Issues
- Insufficient Evidence of Good-faith Efforts to Resolve Debts
- Recent and Ongoing Financial Difficulties Impacting Security Clearance Eligibility.