Summary
The applicant, a 56-year-old program manager and retired Air Force lieutenant colonel, faced security clearance denial under Guideline F due to significant financial issues, including two unpaid judgments, a federal tax lien, and 21 delinquent accounts totaling over $150,000. The judge found that the applicant failed to provide sufficient documentation to mitigate the government's concerns regarding his financial irresponsibility.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Judgment for $2,151 (1.a). Judgment by state higher education lender for $4,057 (1.b). Federal tax lien for $19,444 (1.c). National credit card account for $1,997 (1.d). National credit card account for $22,268 (1.e). Federal student loan for $12,263 (1.f). Federal student loan for $18,900 (1.g). Bank credit card account for $1,868 (1.h). National credit card account for $2,579 (1.i). National credit card account for $3,956 (1.j). Credit Union account for $750 (1.k). Collection agency account for $753 (1.l). Department store account for $2,733 (1.m). Department store account for $2,077 (1.n). State student loan for $7,983 (1.o). State student loan for $2,186 (1.p). State student loan for $3,144 (1.q). Federal student loan for $8,304 (1.r). Federal student loan for $11,803 (1.s). Applicant co-signed on son’s car for $1,058 (1.t). Applicant co-signed on second son’s car for $1,231 (1.u). Bank credit card account for $1,075 (1.v). Federal Credit Union account for $912 (1.w). Collection action for university account for $5,340 (1.x). Collection agency collecting for national credit card account for $19,286 (1.y).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant has two unpaid judgments and a federal tax lien; The applicant has 21 additional delinquent accounts totaling over $150,000; The applicant failed to document payment on any debts except one.
Why the Applicant Was Denied
- The applicant has two unpaid judgments and a federal tax lien.
- The applicant has 21 additional delinquent accounts totaling over $150,000.
- The applicant failed to document payment on any debts except one.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“An applicant is not required to be debt free, but is required to manage his finances so as to meet his financial obligations.”
Procedural Posture
- SOR issuedJun 8, 2009
- Answer filedJul 1, 2009Applicant elected to proceed without a hearing.
- Hearing held—No hearing was conducted.
- Decision dateNov 4, 2009
Cite For
- Financial Irresponsibility Under Guideline F
- Impact of Unpaid Debts on Security Clearance Eligibility
- Insufficient Documentation to Mitigate Financial Concerns