Summary
A 59-year-old self-employed software engineer was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues. The applicant's financial difficulties were attributed to a failed business and the need to support his ailing mother.
The Statement of Reasons detailed several allegations, including an unpaid medical bill of $960 from March 2007, a past due second mortgage account totaling $1,984, a delinquent credit card account of $28,708 referred for collection, and another unpaid medical bill of $42 from March 2007. These issues raised Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).
While Mitigating Conditions AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), and AG ¶ 20(e) were considered, the clearance was ultimately denied. The applicant failed to resolve significant delinquent debts totaling approximately $30,692 and did not provide sufficient evidence to support claims of disputing these debts. Furthermore, the applicant's explanations for his financial inaction were deemed implausible.
Why the Applicant Was Denied
- The applicant failed to resolve significant delinquent debts totaling approximately $30,692.
- The applicant did not provide sufficient evidence to support his claims of disputing the debts.
- The applicant's explanations for his financial inaction were deemed implausible.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant did not act responsibly under the circumstances.
- AG ¶ 20(c)rejectedThe Person Has Received or Is Receiving Counseling for the Problem
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- AG ¶ 20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant did not provide documented proof to substantiate his disputes.
Key Rule Quoted
“A security clearance decision is intended to resolve whether it is clearly consistent with the national interest for an applicant to either receive or continue to have access to classified information.”
Procedural Posture
- SOR issuedFeb 25, 2009
- Answer filedMay 27, 2009
- Hearing heldJul 29, 2009
- Decision dateNov 9, 2009
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Insufficient Evidence of Responsible Financial Management
- Failure to Demonstrate Good Faith Efforts to Resolve Debts