Summary
The applicant, a 32-year-old defense contractor, faced security concerns under Guideline F due to significant financial issues, including debts totaling approximately $108,871.82. Despite attributing his financial difficulties to caring for his ailing father, the applicant failed to demonstrate responsible management of his debts or provide evidence of payments, leading to a denial of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant is indebted for satellite television service in the approximate amount of $65 (1.a). Applicant is indebted on a judgment against him for a vehicle he purchased (1.b). Applicant is indebted to a creditor in the approximate amount of $2,068 (1.c). Applicant is indebted on a delinquent credit card account in the approximate amount of $768 (1.d). Applicant is indebted on a delinquent credit card account in the approximate amount of $733 (1.e). Applicant is indebted to a collection agent for a telephone service provider in the approximate amount of $192 (1.f). Applicant is indebted on a medical account in the approximate amount of $1,196 (1.g). Applicant is indebted to a collection agent for an unpaid cellular phone account in the approximate amount of $249 (1.h). Applicant is indebted to a collection agent in the approximate amount of $556 (1.i). Applicant is indebted on a medical account in the approximate amount of $409 (1.j). Applicant is indebted to a collections agent for a bank, in the approximate amount of $216 (1.k). Applicant is indebted on a student loan account in the approximate amount of $69,309 (1.l). Applicant is indebted on a student loan in the approximate amount of $3,264 (1.m). Applicant is indebted on a student loan in the approximate amount of $10,496 (1.n). Applicant is indebted on a student loan in the approximate amount of $5,278 (1.o). Applicant is indebted on a student loan in the approximate amount of $4,353 (1.p). Applicant is indebted on a student loan in the approximate amount of $5,182 (1.q). Applicant is indebted to a store in the approximate of $391 (1.r).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant has accumulated 18 delinquent debts totaling approximately $108,871.82; He failed to provide evidence of payments or efforts to resolve his debts; His financial difficulties were ongoing and he did not demonstrate responsible management of his financial obligations.
Why the Applicant Was Denied
- The applicant has accumulated 18 delinquent debts totaling approximately $108,871.82.
- He failed to provide evidence of payments or efforts to resolve his debts.
- His financial difficulties were ongoing and he did not demonstrate responsible management of his financial obligations.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedFeb 22, 2010
- Answer filedMar 8, 2010
- Hearing heldAug 18, 2010
- Decision dateOct 6, 2010
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Significant Unresolved Financial Obligations Impacting Security Clearance Eligibility
- Lack of Evidence Demonstrating Responsible Financial Management