Summary
A 35-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations. The denial stemmed from 32 delinquent debts totaling approximately $63,641, as outlined in the Statement of Reasons. Disqualifying conditions F.19(a) and F.19(c) were raised due to these financial obligations.
While the applicant attributed her financial difficulties to past unemployment and medical expenses, the decision noted a lack of meaningful action to resolve the debts. Despite being employed for several years, she failed to demonstrate responsible efforts to address her financial obligations.
The denial was based on the applicant's 32 unresolved delinquent debts, which raised significant security concerns. She provided no evidence of payments made on her debts or a concrete plan to resolve them, leading to the ultimate denial of her security clearance application.
Why the Applicant Was Denied
- The applicant has 32 unresolved delinquent debts totaling over $63,000, which raise significant security concerns.
- She did not demonstrate responsible actions to address her financial obligations despite being employed for several years.
- The applicant provided no evidence of payments on her debts or a plan to resolve them.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under ControlThe applicant received financial counseling in 2010 but did not take further action to resolve her debts.
- F.20(b)rejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s ControlWhile the applicant experienced unemployment and medical issues, she failed to act responsibly to address her debts during her employment.
- F.20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not contact creditors or make any payments on her debts.
- F.20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past Due DebtThe applicant could not substantiate her claims of duplicate debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedApr 22, 2011
- Answer filedMay 23, 2011
- Hearing heldJul 14, 2011
- Decision dateAug 9, 2011
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Significant Unresolved Delinquent Debts as a Security Concern
- Lack of Evidence of Responsible Financial Management