Summary
The applicant, a pro se individual, faced security clearance denial under Guideline F due to significant financial issues, including multiple past due debts primarily attributed to previous marriages. The judge found that the applicant failed to demonstrate responsible action towards addressing these debts, leading to a conclusion that the applicant's financial situation raised security concerns.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The first debt is for a car loan in the amount of about $10,289 (1.a). The second debt is a medical bill in the amount of about $192 (1.b). The third debt is a wireless phone bill in the amount of about $439 (1.c). The fourth debt is another medical bill in the amount of about $64 (1.d). The fifth debt is creditor E in the amount of about $184 (1.e). The sixth debt is a third medical bill in the amount of about $1,469 (1.f). The seventh debt is a credit card bill in the amount of about $2,021 (1.g). The eighth debt is another credit card bill in the amount of about $2,680 (1.h). The ninth debt is to a credit union in the amount of about $187 (1.i). The tenth debt is a cable TV bill in the amount of about $192 (1.j). The eleventh debt is another wireless phone bill in the amount of about $603 (1.k). The twelfth debt is for another car loan in the amount of about $9,512 (1.l). The thirteenth debt is to creditor M in the amount of about $683 (1.m). The fourteenth debt is gas credit card bill in the amount of about $666 (1.n). The fifteenth debt is for a fourth medical bill in the amount of about $34,493 (1.o). The sixteenth debt is to a bank in the amount of about $7,516 (1.p). The seventeenth debt is to creditor Q in the amount of about $8,947 (1.q). The final debt is a utility bill in the amount of about $406 (1.r).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b). The decision turned on the following: The applicant admitted to multiple past due debts totaling over $34,000; The applicant attributed his financial issues to past marriages but did not take steps to address the debts; The judge found no mitigating conditions applicable to the applicant's financial situation.
Why the Applicant Was Denied
- The applicant admitted to multiple past due debts totaling over $34,000.
- The applicant attributed his financial issues to past marriages but did not take steps to address the debts.
- The judge found no mitigating conditions applicable to the applicant's financial situation.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlThe applicant did not demonstrate responsible action to address his debts.
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified information.”
Procedural Posture
- SOR issuedNov 13, 2008
- Answer filedNov 21, 2008
- Hearing held—
- Decision dateApr 21, 2009
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Impact of Financial Issues on Security Clearance Eligibility
- Failure to Mitigate Financial Concerns Despite Personal Circumstances