Summary
The applicant, a 51-year-old employee of a defense contractor, faced security concerns under Guideline F due to multiple delinquent debts totaling approximately $90,719. Despite some mitigating factors, including a reduction in income and attempts to address debts, the applicant failed to demonstrate sufficient financial responsibility, leading to a denial of security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: $5,961 delinquent credit card account (1.a). $5,856 delinquent credit card account (1.b). $20,116 delinquent credit card account (1.c). $848 delinquent account (1.d). $18,413 delinquent consumer account (1.e). $8,118 delinquent consumer account (1.f). $52 delinquent utility account (1.g). $820 consumer debt (1.h). $10,328 personal loan (1.i). $44 medical debt (1.j). $60 medical debt (1.k). $139 consumer debt (1.l).
The judge denied the clearance. The government raised disqualifying conditions F.19(a), F.19(c). The judge applied mitigating conditions F.20(b), F.20(c), F.20(d). The decision turned on the following: The applicant has numerous unresolved delinquent debts that raise concerns about his reliability and trustworthiness; The applicant did not provide sufficient documentation to support his claims of resolving debts or disputing their legitimacy; Despite some mitigating circumstances, the applicant's financial history remains troubling and unresolved.
Why the Applicant Was Denied
- The applicant has numerous unresolved delinquent debts that raise concerns about his reliability and trustworthiness.
- The applicant did not provide sufficient documentation to support his claims of resolving debts or disputing their legitimacy.
- Despite some mitigating circumstances, the applicant's financial history remains troubling and unresolved.
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 Control
- F.20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem
- F.20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedJun 5, 2013
- Answer filedJuly 16 and 26, 2013
- Hearing heldSep 10, 2013
- Decision dateOct 23, 2013
Cite For
- Evaluation of Financial Considerations Under Guideline F
- Impact of Unresolved Debts on Security Clearance Eligibility
- Mitigating Factors Related to Financial Difficulties and Their Application in Security Clearance Cases