Summary
A 43-year-old male applicant was denied a security clearance under Guideline F (Financial Considerations) due to 21 delinquent debts totaling approximately $21,016. Disqualifying conditions F.19(a) and F.19(c) were raised, indicating a history of not meeting financial obligations and an unwillingness or inability to pay debts.
While mitigating conditions F.20(b), F.20(d), and F.20(e) were applied, suggesting some efforts to address the issues, these were insufficient to overcome the concerns. The applicant attributed his financial difficulties to periods of unemployment.
However, the denial was based on the applicant's failure to demonstrate responsible actions to resolve his debts. He did not provide evidence of a good-faith effort to repay or resolve his financial issues, nor did he offer proof of payments or financial counseling. Consequently, his financial problems were deemed not under control, leading to the denial of his security clearance.
Why the Applicant Was Denied
- Applicant has 21 delinquent debts totaling approximately $21,016 that he is unable or unwilling to pay.
- Applicant did not provide evidence of a good-faith effort to repay his delinquent debts or resolve his financial issues.
- Applicant's financial problems are not under control, and he failed to provide proof of payments or evidence of financial counseling.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant's unemployment was beyond his control, but he did not act responsibly under the circumstances.
- F.20(d)rejectedGood-faith Effort to Repay Overdue Creditors or Resolve DebtsApplicant has not initiated a good-faith effort to repay his delinquent debts.
- F.20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant did not provide documented proof to substantiate the basis of disputed debts.
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 issuedDec 5, 2012
- Answer filedJan 27, 2013
- Hearing heldMay 14, 2013via video teleconference
- Decision dateMay 23, 2013
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Inability to Demonstrate Responsible Actions Regarding Delinquent Debts
- Impact of Financial Instability on Security Clearance Eligibility