Summary
The applicant, a 46-year-old administrative assistant married with one daughter, faced security clearance denial under Guideline F due to significant unresolved financial difficulties, including multiple overdue debts and a history of not meeting financial obligations. The judge found that the applicant failed to demonstrate responsible action to resolve her debts, leading to concerns about her reliability and trustworthiness.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: This overdue debt is cited in the SOR for an overdue account in the amount of $9,536 (1.a). This overdue debt is cited in the SOR for a judgement in the amount of $4,201 (1.b). This overdue debt is cited in the SOR for a charged off account in the amount of $3,001 (1.c). This overdue debt is cited in the SOR for a charged off account in the amount of $2,562 (1.d). This overdue debt is cited in the SOR for a charged off account in the amount of $448 (1.e). It is alleged in the SOR that Applicant filed a Chapter 7 bankruptcy in May 2001, and her debts were discharged in September 2001 (1.f).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant has significant unresolved debts totaling over $19,000, including overdue accounts and a judgment; The applicant did not provide evidence of any attempts to resolve her debts or file for bankruptcy as claimed; The applicant's financial difficulties were attributed to her husband's unemployment, but no mitigating evidence was presented.
Why the Applicant Was Denied
- The applicant has significant unresolved debts totaling over $19,000, including overdue accounts and a judgment.
- The applicant did not provide evidence of any attempts to resolve her debts or file for bankruptcy as claimed.
- The applicant's financial difficulties were attributed to her husband's unemployment, but no mitigating evidence was presented.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations
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 issuedOct 8, 2012
- Answer filedNov 6, 2012Applicant requested decision on written record.
- Hearing held—No hearing; decision based on written record.
- Decision dateApr 4, 2013
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Failure to Demonstrate Responsible Action in Addressing Financial Difficulties
- Application of the Whole-person Concept in Evaluating Security Clearance Eligibility