Summary
A 37-year-old married man with three children was denied a security clearance under Guideline F, Financial Considerations, due to approximately $40,000 in delinquent debts owed to 15 creditors. The Statement of Reasons detailed specific outstanding debts, including $134 on a delinquent account, $7,294 for his father's funeral expenses, $6,256 for his brother's funeral expenses, and $13,193 from a 2006 automobile repossession.
While acknowledging the financial difficulties caused by multiple family deaths, the applicant did not demonstrate effective management or resolution of these debts. Disqualifying conditions F.1.a and F.1.c were raised, and mitigating conditions F.2.b, F.2.c, and F.2.d were applied.
The denial was based on the applicant's failure to resolve the $40,000 in delinquent debts and his lack of participation in credit counseling or other clear indications of resolving his financial problems. Additionally, concerns were raised regarding his judgment and reliability due to his decision to provide financial support to family members despite his own inability to afford it.
Why the Applicant Was Denied
- The applicant accumulated approximately $40,000 in delinquent debts owed to 15 creditors, which he has not resolved.
- The applicant did not obtain credit counseling or demonstrate clear indications that his financial problems were being resolved.
- The applicant's decision to provide financial support to family members he could not afford raised concerns about his judgment and reliability.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- F.2.brejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlWhile the applicant faced family deaths, he did not take timely action to manage or address his debts.
- F.2.crejectedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under ControlThe applicant has not obtained credit counseling and has not demonstrated that his debts are being resolved.
- F.2.drejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant admitted he has not attempted to resolve or pay any of the debts since learning of the government’s concerns.
Key Rule Quoted
“A person who seeks access to classified information enters into a fiduciary relationship with the government predicated upon trust and confidence.”
Procedural Posture
- SOR issuedJul 30, 2009
- Answer filedAug 20, 2009
- Hearing heldOct 15, 2009
- Decision dateDec 16, 2009
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Impact of Personal Circumstances on Financial Management and Security Clearance Eligibility
- Importance of Timely Action in Addressing Financial Issues for Security Clearance Considerations.