Summary
A 52-year-old project manager for a Department of Defense contractor was denied a security clearance due to significant financial concerns under Guideline F. The applicant faced allegations regarding 16 delinquent debts totaling $30,401, which had remained unpaid for an extended period. While one $16 medical debt was paid, a $142 medical debt remained outstanding. The applicant also failed to provide documentation of monthly income and expenses, evidence of agreed-upon payment plans, or information indicating engagement with a debt consolidation firm.
Further concerns included the applicant's history of not meeting financial obligations and a lack of evidence demonstrating financial counseling or a good-faith effort to repay overdue creditors. The applicant also did not provide documentation of developed payment plans or proof of retaining a debt consolidation company to resolve past debts.
Ultimately, the clearance was denied because the applicant admitted to substantial delinquent debts, indicating an inability or unwillingness to satisfy them. The applicant did not provide sufficient evidence of ongoing payment plans or financial counseling to mitigate the security concerns, and the financial problems were deemed longstanding and unresolved, raising questions about reliability and trustworthiness.
Why the Applicant Was Denied
- The applicant admitted to significant delinquent debts totaling $30,401, indicating an inability or unwillingness to satisfy debts.
- The applicant did not provide evidence of ongoing payment plans or financial counseling to mitigate the security concerns.
- The applicant's financial problems were longstanding and unresolved, raising questions about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Unlikely to RecurThe applicant did not provide evidence that his debts arose under unusual circumstances or that they are unlikely to recur.
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlThe applicant did not demonstrate that his financial problems were due to circumstances beyond his control.
- AG ¶ 20(c)rejectedReceived Counseling for the ProblemThe applicant did not attend financial counseling or provide evidence that his financial issues are under control.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant made minimal payments and did not provide evidence of a consistent repayment plan.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedAug 28, 2009
- Answer filedSep 23, 2009Applicant requested a decision on the written record.
- Hearing held—No hearing; decision based on written record.
- Decision dateFeb 4, 2010
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Importance of Providing Evidence of Financial Responsibility in Security Clearance Cases
- Impact of Long-standing Financial Issues on Security Clearance Eligibility