Summary
A 35-year-old lead technician was denied a security clearance under Guideline F (Financial Considerations) due to significant overdue debts totaling $163,873, which included multiple judgments and foreclosures. Disqualifying conditions were raised under Adjudicative Guidelines (AG) ¶ 19(a) and ¶ 19(c).
Specific allegations included a $6,779 judgment from November 2008 for a water purification system, an $8,305 judgment from December 2008 for a home renovation loan, and an $8,354 deficiency balance for a vehicle jointly financed with his former wife. The applicant also faced issues related to a home foreclosure, for which he claimed mortgage insurance but provided no documentation, and a delinquent account caused by a former girlfriend, which he stated he provided restitution for.
Despite claims of attempting to address his financial difficulties, the applicant failed to provide any documentation to support his assertions, did not seek financial counseling, and did not demonstrate concrete steps toward resolving his debts. While mitigating conditions AG ¶ 20(b), AG ¶ 20(c), and AG ¶ 20(d) were applied, they were insufficient to overcome the substantial financial concerns, leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant had substantial overdue debts totaling $163,873, including judgments and foreclosures.
- The applicant provided no documentation to support his claims of addressing his financial issues.
- The applicant had no financial counseling and did not take steps to resolve his debts.
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 That Resulted in the Financial Problem Were Largely Beyond the Person's ControlWhile the applicant's unemployment and divorce were beyond his control, he did not act responsibly to address his debts.
- AG ¶ 20(c)rejectedThe Person Has Received or Is Receiving Counseling for the ProblemThe applicant had no financial counseling and did not demonstrate efforts to resolve his debts.
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not provide evidence of any good-faith efforts to repay 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 issuedJun 19, 2009
- Answer filedJun 29, 2009
- Hearing heldSep 16, 2009
- Decision dateFeb 18, 2010
Cite For
- Denial of Security Clearance Due to Significant Financial Issues Under Guideline F
- Lack of Documentation to Support Claims of Financial Responsibility
- Failure to Demonstrate Good-faith Efforts to Resolve Debts