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Summary

The applicant, a 44-year-old mail room supervisor, sought a security clearance but was denied due to significant unresolved financial delinquencies totaling approximately $29,290 and concerns regarding personal conduct. Despite acknowledging hardships, the applicant failed to demonstrate a clear plan for resolving debts or mitigating financial issues, leading to doubts about his reliability and judgment.

Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant owed $1,796 to a creditor on a judgment filed against him in January 2008, and, as of February 1, 2010, the judgment had not been satisfied (1.a). Applicant owed a creditor $696 on a delinquent cell phone debt, which remained unsatisfied as of February 1, 2010 (1.b). Applicant owed a $3,392 debt, in collection status, for unpaid rent (1.c). Applicant admitted the medical debts alleged at SOR ¶ 1.d. ($108), 1.e. ($745), 1.f. ($184), 1.g. ($49), and 1.h. ($206) (1.d). Applicant admitted the medical debts alleged at SOR ¶ 1.d. ($108), 1.e. ($745), 1.f. ($184), 1.g. ($49), and 1.h. ($206) (1.e). Applicant admitted the medical debts alleged at SOR ¶ 1.d. ($108), 1.e. ($745), 1.f. ($184), 1.g. ($49), and 1.h. ($206) (1.f). Applicant admitted the medical debts alleged at SOR ¶ 1.d. ($108), 1.e. ($745), 1.f. ($184), 1.g. ($49), and 1.h. ($206) (1.g). Applicant admitted the medical debts alleged at SOR ¶ 1.d. ($108), 1.e. ($745), 1.f. ($184), 1.g. ($49), and 1.h. ($206) (1.h). Applicant owed a $5,279 delinquent debt on an automobile that had been repossessed (1.i). Applicant owed $2,005 to a judgment creditor, and, as of February 1, 2010, the debt had not been paid (1.j). Applicant owed $517 on an account, in collection status, that was unpaid as of February 1, 2010 (1.k). Applicant owed $12,777 on an automobile loan that had been placed for collection and which had not been paid as of February 1, 2010 (1.l). Applicant owed a communications company $267 on a delinquent account that had not been paid as of February 1, 2010 (1.m). Applicant admitted the medical debt for $107, which was alleged at SOR ¶ 1.p (1.p).

The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c), AG ¶ 19(e). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(a), AG ¶ 20(c), AG ¶ 20(d), AG ¶ 20(e). The decision turned on the following: The applicant failed to rebut or mitigate the Government's security concerns under Guideline F, Financial Considerations; The applicant's financial situation raised concerns about his judgment and potential financial vulnerability; The applicant did not provide sufficient evidence of a plan to resolve his substantial delinquent debts.

Why the Applicant Was Denied

• The applicant failed to rebut or mitigate the Government's security concerns under Guideline F, Financial Considerations.
• The applicant's financial situation raised concerns about his judgment and potential financial vulnerability.
• The applicant did not provide sufficient evidence of a plan to resolve his substantial delinquent debts.

Conditions Referenced

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

• SOR issuedFeb 1, 2010
• Answer filedFeb 23, 2010
• Hearing heldApr 14, 2010Applicant testified pro se.
• Decision dateMay 13, 2010

Cite For

• Financial Vulnerability and Judgment Concerns Under Guideline F
• Impact of Unresolved Financial Delinquencies on Security Clearance Eligibility
• Whole-person Analysis in Security Clearance Decisions