Summary
The applicant, a 46-year-old program manager for a defense contractor, faced security concerns under Guideline F due to multiple unresolved debts totaling approximately $45,703. Despite some mitigating circumstances, including a resolved tax debt, the applicant's overall financial history and lack of progress in addressing most debts led to a denial of his security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The debt alleged in SOR ¶ 1.a ($1,800) is a judgment entered by a collection company (1.a). The debt alleged in SOR ¶ 1.b is a delinquent utility debt in the amount of $334 (1.b). The debt alleged in SOR ¶ 1.c is a delinquent cable debt in the amount of $740 (1.c). The debt alleged in SOR ¶ 1.d is a delinquent utility debt in the amount of $149 (1.d). The debt alleged in SOR ¶ 1.e is delinquent rent owed for an apartment in the city where he was a subcontractor in the amount of $2,210 (1.e). The debt alleged in SOR ¶ 1.f ($14,030) is a collection account that the applicant could not explain the different amounts owed (1.f). The debts alleged in SOR ¶ 1.g is a delinquent medical debt in the amount of $105 (1.g). The debts alleged in SOR ¶ 1.h is a delinquent medical debt in the amount of $225 (1.h). The debt alleged in SOR ¶ 1.i is a delinquent telephone debt in the amount of $663 (1.i). The debts alleged in SOR ¶ 1.j are delinquent credit card debts in the amount of $1,110 (1.j). The debts alleged in SOR ¶ 1.k are delinquent credit card debts in the amount of $620 (1.k). The debts alleged in SOR ¶ 1.l are delinquent library debts in the amount of $75 (1.l). The debts alleged in SOR ¶ 1.m are delinquent library debts in the amount of $58 (1.m). The debt alleged in SOR ¶ 1.n is a delinquent tax debt in the amount of about $23,584 (1.n).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d). The decision turned on the following: The applicant has multiple unresolved debts totaling approximately $45,703; The applicant failed to demonstrate a good-faith effort to resolve most of his debts, except for a tax debt and one medical debt; The applicant's financial history raises questions about his reliability, trustworthiness, and good judgment.
Why the Applicant Was Denied
- The applicant has multiple unresolved debts totaling approximately $45,703.
- The applicant failed to demonstrate a good-faith effort to resolve most of his debts, except for a tax debt and one medical debt.
- The applicant's financial history raises questions about his reliability, trustworthiness, and good judgment.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions Largely Beyond the Person's ControlThe applicant's financial problems were influenced by his company's downturn and periods of unemployment.
- AG ¶ 20(c)appliedReceived Counseling for the ProblemThe applicant received financial counseling years ago, but current finances are not under control.
- AG ¶ 20(d)appliedGood-faith Effort to Repay DebtsThe applicant made payments on his tax debt and one medical debt.
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of national security.”
Procedural Posture
- SOR issuedOct 27, 2011
- Answer filedJan 24, 2012
- Hearing heldJun 20, 2012
- Decision date—
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Impact of Financial History on Security Clearance Eligibility
- Consideration of Mitigating Circumstances Under Guideline F