Summary
A 43-year-old naturalized U.S. citizen from Vietnam, employed as a structural assembler, was denied a security clearance under Guideline F (Financial Considerations) due to significant delinquent debts exceeding $56,000. The Statement of Reasons detailed a tax lien of approximately $18,000, a charged-off home improvement loan totaling $28,562, and six other debts, either in collection or charged off, amounting to $9,783. Additionally, a delinquent security alarm debt remained unpaid.
While the applicant claimed to have satisfied a debt for furniture and stated efforts to pay or resolve four other debts, no evidence of payments was submitted. The applicant also indicated seeking assistance from debt and tax relief organizations.
Despite the application of several mitigating conditions, the clearance was denied. The decision cited the substantial outstanding delinquent debts and the applicant's failure to provide evidence of payments or responsible financial management, which raised concerns about reliability and trustworthiness.
Why the Applicant Was Denied
- Applicant has significant outstanding delinquent debts totaling over $56,000.
- Applicant failed to provide evidence of payments or responsible financial management regarding his debts.
- The applicant's financial issues raise concerns about his reliability and trustworthiness.
Conditions Referenced
- DC 19(a)raisedInability or Unwillingness to Satisfy Debts
- DC 19(c)raisedA History of Not Meeting Financial Obligations
- MC 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant did not act responsibly regarding his debts.
- MC 20(a)rejectedBehavior Occurred Under Circumstances Unlikely to RecurApplicant's financial issues raise ongoing concerns.
- MC 20(c)rejectedReceived Counseling for the ProblemNo evidence of effective counseling or resolution.
- MC 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsNo evidence of actual payments made on debts.
Key Rule Quoted
“The sole purpose of a security clearance decision is to decide if it is clearly consistent with the national interest to grant or continue a security clearance for an applicant.”
Procedural Posture
- SOR issuedNov 30, 2010
- Answer filedDec 14, 2010Initial response did not indicate hearing request.
- Hearing heldN/ADecision based on written record.
- Decision dateApr 15, 2011
Cite For
- Denial of Security Clearance Due to Significant Financial Issues Under Guideline F
- Failure to Demonstrate Responsible Financial Management
- Insufficient Evidence of Debt Resolution Efforts