Summary
A 36-year-old electronic technician was denied a security clearance under Guideline F (Financial Considerations) due to a history of financial difficulties. The Statement of Reasons detailed multiple unsatisfied debts and judgments. These included a $2,616 judgment from April 2009, a $173 medical debt referred for collection in October 2008, and a $1,459 internet service bill charged off in April 2010.
Further allegations involved a $5,195 debt to the U.S. Government charged off in October 2008, and two delinquent charge accounts for $3,256 and $2,779, referred for collection in March 2009 and February 2009, respectively. An additional $300 judgment was filed in October 2009. The applicant also had a $10,275 delinquent auto loan charged off in March 2008 and a $360 cell phone bill charged off in March 2011.
Despite some efforts to address these issues, the judge found that the applicant's financial irresponsibility raised significant concerns about his reliability and trustworthiness. The denial was based on the numerous unresolved debts and judgments, the applicant's failure to present a credible plan for managing his financial obligations, and the determination that his financial problems were largely self-inflicted rather than due to circumstances beyond his control.
Why the Applicant Was Denied
- The applicant has numerous unsatisfied debts and a judgment that remain unresolved.
- He failed to demonstrate a credible plan to manage his financial obligations or to make payments on his debts.
- The applicant's financial problems were largely self-inflicted and not due to circumstances beyond his control.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Unlikely to Recur
- AG ¶ 20(b)rejectedConditions Beyond the Person's Control
- AG ¶ 20(c)appliedReceived Counseling for the Problem
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Creditors
- AG ¶ 20(e)appliedReasonable Basis to Dispute Legitimacy of Debt
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the AG.”
Procedural Posture
- SOR issuedMar 14, 2013
- Answer filedApr 16, 2013
- Hearing heldJun 6, 2013
- Decision dateAug 23, 2013
Cite For
- Financial Irresponsibility Under Guideline F
- Impact of Unresolved Debts on Security Clearance Eligibility
- Consideration of Self-inflicted Financial Problems in Clearance Decisions