Summary
The applicant, a 39-year-old military veteran and program manager, faced security clearance denial under Guideline F due to significant financial issues, including over $24,000 in child support arrears and multiple delinquent debts. Despite efforts to improve his financial situation, the judge found insufficient evidence of responsible financial management and ongoing concerns about the applicant's financial judgment.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant owed $812 to a cable provider placed for collection (1.a). Applicant owed $419 to a satellite television provider placed for collection (1.b). A $250 credit line opened in August 2005 with a credit union on base was charged off for $223 in May 2008 (1.c). A jewelry store account opened in November 2006 went to collections for $614 in June 2010 (1.d). A returned check charge of $58 from December 2008 went unpaid (1.e). Federal student loan debt in collection totaling $5,885 (1.f). Federal student loan debt in collection totaling $1,211 (1.g). Applicant defaulted on a vehicle loan of $22,914 opened in April 2007. The vehicle was repossessed around January 2012 and $8,806 was charged off (1.h). A credit card account opened in November 2004 was charged off and sold in August 2007 due to nonpayment since June 2007. In May 2012, a $1,459 balance was in collection with the creditor (1.i). A credit card account opened in November 2004 with a high credit of $914 was charged off in August 2008 with $514 past due (1.l). Applicant defaulted on federal student loans of $1,268 from June 1997 and of $5,500 from September 1997 (1.m). Applicant defaulted on federal student loans of $6,273 (1.n). Applicant defaulted on federal student loans of $1,291 (1.o). Applicant failed to file his federal and state income tax returns for tax years 2011 and 2012 (1.p). As of September 2014, Applicant owed about $24,354 in child support arrearage (1.r).
The judge denied the clearance. The government raised disqualifying conditions F.3.a, F.3.c. The decision turned on the following: Applicant owed approximately $24,354 in child support arrears as of September 2014; Applicant had multiple delinquent debts, including federal student loans and a charged-off vehicle loan; Concerns about the applicant's financial judgment persisted despite his claims of improving his financial situation.
Why the Applicant Was Denied
- Applicant owed approximately $24,354 in child support arrears as of September 2014.
- Applicant had multiple delinquent debts, including federal student loans and a charged-off vehicle loan.
- Concerns about the applicant's financial judgment persisted despite his claims of improving his financial situation.
Conditions Referenced
- F.3.araisedInability to Satisfy Debts
- F.3.craisedDelinquent Child Support Payments
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified information.”
Procedural Posture
- SOR issuedSep 11, 2014
- Answer filedSep 19, 2014
- Hearing heldJul 30, 2015
- Decision dateNov 21, 2015
Cite For
- Financial Irresponsibility Under Guideline F
- Impact of Child Support Arrears on Security Clearance
- Consideration of Financial Judgment in Clearance Decisions