Summary
A 37-year-old security employee for a Department of Defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from significant unresolved debts and material omissions in his security clearance application.
The applicant had several outstanding financial obligations, including defaults on debts of $274, $242, $1,757, $435, and $3,561. Additionally, an unpaid judgment of $20,000 was noted. While one judgment was paid in full by February 2010 and another debt of $83 was paid, the remaining unresolved debts totaled over $20,000. These issues raised disqualifying conditions F.1.a and F.1.c.
Although mitigating conditions F.2.a, F.2.b, and F.2.d were considered, the judge found that the applicant failed to demonstrate a good-faith effort to resolve his debts, despite having sufficient income. Furthermore, his omissions regarding financial delinquencies in his e-QIP were deemed material, raising concerns about his reliability and trustworthiness. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant has significant unresolved debts totaling over $20,000, indicating an inability to manage financial obligations.
- The applicant did not demonstrate a good-faith effort to resolve his debts despite having sufficient income to do so.
- The applicant's omissions in his e-QIP regarding financial delinquencies were deemed material and raised concerns about his reliability and trustworthiness.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- F.2.arejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to RecurThe applicant's financial issues are ongoing and not resolved.
- F.2.bappliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant's financial issues began when his wife lost her job.
- F.2.drejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant has not made significant efforts to resolve his debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedDec 21, 2009
- Answer filedMay 1, 2010
- Hearing heldSep 15, 2010Applicant waived the right to 15 days notice.
- Decision dateDec 9, 2010
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Material Omissions in Security Clearance Application Under Guideline E
- Consideration of Financial Circumstances and Efforts to Resolve Debts in Security Clearance Evaluations.