Summary
The applicant, a 37-year-old defense contractor employee, faced security concerns under Guideline F due to a long history of financial indebtedness, with 16 delinquent debts totaling $11,409. The applicant failed to provide evidence of resolving these debts or demonstrating financial responsibility, leading to the denial of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: indebted on a judgment against him filed in May 2007, for a car loan, in the approximate amount of $7,092 (1.a). indebted on a judgment against him for unpaid babysitting fees, filed in January 2007, in the approximate amount of $325 (1.b). indebted on a medical account in the approximate amount of $81 (1.c). indebted on a medical account in the approximate amount of $468 (1.d). indebted on a medical account in the approximate amount of $78 (1.e). indebted on a medical account in the approximate amount of $98 (1.f). indebted on a medical account in the approximate amount of $125 (1.g). indebted on a medical account in the approximate amount of $436 (1.h). indebted on an account placed for collections by a bank for an overdrawn account, in the approximate amount of $455 (1.i). indebted on a medical account in the approximate amount of $125 (1.j). indebted on a utility bill in the approximate amount of $1,008 (1.k). indebted on a telephone account in the approximate amount of $394 (1.l). indebted on a telephone account in the approximate amount of $304 (1.m). indebted on a gym membership account in the approximate amount of $327 (1.n). indebted on an insurance account debt in the approximate amount of $123 (1.o). indebted on a medical account in the approximate amount of $70 (1.p).
The judge denied the clearance. The government raised disqualifying conditions F.19(a), F.19(c), F.19(e). The decision turned on the following: The applicant has a long history of financial indebtedness with 16 delinquent debts totaling $11,409; He failed to provide documentation showing any debts were satisfied or addressed; The applicant's financial issues are ongoing, with a negative monthly cash flow of -$1,008.
Why the Applicant Was Denied
- The applicant has a long history of financial indebtedness with 16 delinquent debts totaling $11,409.
- He failed to provide documentation showing any debts were satisfied or addressed.
- The applicant's financial issues are ongoing, with a negative monthly cash flow of -$1,008.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.19(e)raisedConsistent Spending Beyond One’s Means
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedMar 16, 2010
- Answer filedApr 14, 2010
- Hearing held—Decided on written record
- Decision dateOct 21, 2010
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Failure to Demonstrate Financial Responsibility Under Guideline F
- Impact of Ongoing Financial Issues on Security Clearance Eligibility