Summary
The applicant, a 48-year-old college graduate, faced trustworthiness concerns under Guideline F due to numerous unpaid debts stemming from financial difficulties following her husband's abandonment in 2004. Despite being steadily employed, the applicant failed to provide a credible plan to resolve her debts, leading to a denial of her eligibility for access to sensitive information.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The debts in SOR ¶¶ 1.a and 1.b ($150 and $151) are medical debts (1.a). The debts in SOR ¶¶ 1.a and 1.b ($150 and $151) are medical debts (1.b). The debts in SOR ¶¶ 1.c ($100), 1.d ($100), and 1.e ($100) are medical debts to the same creditor (1.c). The debts in SOR ¶¶ 1.c ($100), 1.d ($100), and 1.e ($100) are medical debts to the same creditor (1.d). The debts in SOR ¶¶ 1.c ($100), 1.d ($100), and 1.e ($100) are medical debts to the same creditor (1.e). Applicant stated she paid the debt in SOR ¶ 1.f ($734) (1.f). Applicant settled the debt in SOR ¶ 1.g ($217) (1.g). The debt in SOR ¶ 1.h ($944) remains unresolved (1.h). None Alleged (1.i). The debts in SOR ¶¶ 1.j and 1.k ($250 and $500) are to the same creditor for checks written on an account with nonsufficient funds (1.j). The debts in SOR ¶¶ 1.j and 1.k ($250 and $500) are to the same creditor for checks written on an account with nonsufficient funds (1.k). The debt in SOR ¶ 1.l ($11,988) is the car debt (1.l). The debt in SOR ¶ 1.m ($870) is for a credit card (1.m). The debt in SOR ¶ 1.n ($537) is for telephone services (1.n). The debt in SOR ¶ 1.o ($170) is for a service (1.o).
The judge denied the clearance. The government raised disqualifying conditions F.19(a), F.19(c). The judge applied mitigating conditions F.20(b), F.20(a), F.20(c), F.20(d), F.20(e). The decision turned on the following: Applicant has numerous delinquent debts that are unpaid or unresolved; Applicant failed to provide a credible plan for resolving her debts; Most of Applicant’s delinquent debts are unpaid and unresolved.
Why the Applicant Was Denied
- Applicant has numerous delinquent debts that are unpaid or unresolved.
- Applicant failed to provide a credible plan for resolving her debts.
- Most of Applicant’s delinquent debts are unpaid and unresolved.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant attributed her financial problem to her husband abandoning the family.
- F.20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to RecurApplicant has not provided sufficient evidence to show she has acted responsibly in addressing her delinquent debts.
- F.20(c)rejectedReceived or Is Receiving Counseling for the ProblemThere is no evidence Applicant has received financial counseling.
- F.20(d)rejectedInitiated a Good-faith Effort to Repay Overdue CreditorsApplicant has made minimal efforts to resolve even her small delinquent debts.
- F.20(e)rejectedHas a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant did not provide documentation to support the basis of the dispute.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedSep 16, 2010
- Answer filedOct 5, 2010
- Hearing heldJan 20, 2011Postponed due to inclement weather.
- Decision dateFeb 11, 2011
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Inability to Provide a Credible Plan for Debt Resolution
- Impact of Personal Circumstances on Financial Obligations