Summary
The applicant, a 26-year-old access control administrator with financial concerns under Guideline F, admitted to 22 of 26 delinquent debts totaling over $14,200. Despite efforts to address her debts, including financial counseling and a proposed debt consolidation plan, the applicant failed to provide sufficient evidence of her ability to mitigate the financial issues. Consequently, her security clearance was denied due to unresolved financial obligations.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant does not recognize the debt noted at 1.a for $2,183 (1.a). Applicant admitted to the debt noted at 1.b for $1,230 (1.b). Applicant admitted to the debt noted at 1.c for $270 (1.c). Applicant disputes the debt noted at 1.d for $270 (1.d). Applicant testified that she has paid the debts enumerated at 1.e, representing approximately $588 (1.e). Applicant testified that she has paid the debts enumerated at 1.f, representing approximately $588 (1.f). Applicant testified that she has paid the debts enumerated at 1.g, representing approximately $588 (1.g). Applicant is setting up payment arrangements for the debts set forth at 1.h for $3,650 (1.h). Applicant is setting up payment arrangements for the debts set forth at 1.i for $5,836 (1.i). Applicant has not provided evidence of payment for the debts set forth at 1.j (1.j). Applicant has not provided evidence of payment for the debts set forth at 1.k (1.k). Applicant has not provided evidence of payment for the debts set forth at 1.l (1.l). Applicant has not provided evidence of payment for the debts set forth at 1.m (1.m). Applicant has not provided evidence of payment for the debts set forth at 1.n (1.n). Applicant has not provided evidence of payment for the debts set forth at 1.o (1.o). Applicant has not provided evidence of payment for the debts set forth at 1.p (1.p). Applicant successfully disputed the debt at 1.q for $2,137, which has been deleted from her credit report (1.q). Applicant denies owing money on the accounts noted at 1.r for $1,230 (1.r). Applicant denies owing money on the accounts noted at 1.s for $18 (1.s). Applicant has not provided evidence of payment for the debts set forth at 1.t (1.t). Applicant testified that she has paid the debts enumerated at 1.u, representing approximately $455 (1.u). Applicant has not provided evidence of payment for the debts set forth at 1.v (1.v). Applicant has not provided evidence of payment for the debts set forth at 1.w (1.w). Applicant has not provided evidence of payment for the debts set forth at 1.x (1.x). Applicant denies ever having had service with this provider noted at 1.y (1.y). Applicant has not provided evidence of payment for the debts set forth at 1.z (1.z).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(c), AG ¶ 20(d). The decision turned on the following: Applicant admitted to 22 of 26 allegations of delinquent debts; The majority of debts remained outstanding, totaling over $12,000; Applicant failed to provide documentation supporting her claims of debt repayment and financial management.
Why the Applicant Was Denied
- Applicant admitted to 22 of 26 allegations of delinquent debts.
- The majority of debts remained outstanding, totaling over $12,000.
- Applicant failed to provide documentation supporting her claims of debt repayment and financial management.
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 and There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- AG ¶ 20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“"A person who seeks access to classified information enters into a fiduciary relationship with the Government predicated upon trust and confidence."”
Procedural Posture
- SOR issuedMar 29, 2012
- Answer filedApr 18, 2012
- Hearing heldJul 6, 2012Applicant was given until July 13, 2012, to submit additional documents.
- Decision dateAug 2, 2012
Cite For
- Failure to Provide Sufficient Evidence of Financial Management Under Guideline F
- Impact of Unresolved Financial Obligations on Security Clearance Eligibility
- Importance of Documentation in Demonstrating Debt Repayment Efforts