Summary
A 58-year-old defense contractor clerk was denied a trustworthiness determination under Guideline F (Financial Considerations) due to significant unresolved financial issues. The Statement of Reasons (SOR) alleged multiple delinquent debts totaling approximately $75,000. This included four admitted debts for $1,300, three of which were medical debts totaling $1,150. Additionally, the applicant was about $74,000 delinquent on a $154,000 mortgage.
Disqualifying conditions F.19(a) and F.19(c) were raised, while mitigating conditions F.20(a), F.20(b), F.20(c), and F.20(d) were considered. However, the applicant failed to provide documentation for a claimed short sale of her house or any other efforts to resolve the specific debts outlined in the SOR.
Ultimately, the denial was based on the applicant's admission of multiple delinquent debts, including a mortgage in foreclosure, and her failure to document resolution efforts or demonstrate a good-faith attempt to repay overdue creditors or seek credit counseling.
Why the Applicant Was Denied
- The applicant admitted to multiple delinquent debts totaling $75,000, including a mortgage in foreclosure.
- The applicant failed to provide documentation of her claimed short sale of the house or any efforts to resolve the debts alleged in the SOR.
- The applicant did not seek credit counseling or demonstrate a good-faith effort to repay overdue creditors.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.20(a)rejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- F.20(b)appliedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control and the Individual Acted Responsibly Under the Circumstances
- F.20(c)rejectedThe 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
- F.20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“Trustworthiness decisions resolve whether it is clearly consistent with the national interest to grant or continue an applicant’s public trust position.”
Procedural Posture
- SOR issuedMay 17, 2013
- Answer filedJul 30, 2013Applicant requested a decision without a hearing.
- Hearing held—No hearing was held.
- Decision dateJul 19, 2013
Cite For
- Denial of Trustworthiness Due to Significant Financial Difficulties Under Guideline F
- Failure to Document Efforts to Resolve Debts as a Basis for Denial
- Rejection of Mitigating Conditions Related to Financial Considerations