Summary
A 33-year-old field support technician for a defense contractor was denied a security clearance under Guideline F, Financial Considerations. The denial stemmed from 20 delinquent debts totaling $62,988. Specific unresolved debts included a medical debt for $612, a collection debt for $600, another debt for $819, a collection debt for $132, and a telecommunications debt for $586. One debt owed to Defense Finance for $542 was resolved.
The applicant's financial issues raised concerns about his reliability and trustworthiness. While he mitigated one small debt, he failed to provide sufficient evidence of payments or resolution for the majority of his outstanding obligations. Disqualifying conditions related to a history of not meeting financial obligations and an inability to satisfy debts were cited.
Although the applicant's financial problems were attributed to personal circumstances, he did not demonstrate a good faith effort to resolve most of his debts. He also failed to provide documentary evidence of payments or settlement efforts after the hearing. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant had 20 delinquent debts totaling $62,988, which he did not adequately address or resolve.
- He failed to provide documentary evidence of payments to creditors or efforts to settle debts after the hearing.
- The applicant's financial problems were attributed to personal circumstances, but he did not demonstrate a good faith effort to resolve the majority of his debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not prove he acted in good faith to resolve the majority of his debts.
- AG ¶ 20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant did not provide documented proof to substantiate his disputes.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedAug 10, 2011
- Answer filedDec 12, 2011
- Hearing heldMay 16, 2012
- Decision dateJul 31, 2012
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Failure to Provide Corroborating Evidence of Debt Resolution
- Impact of Personal Circumstances on Financial Responsibility Assessment