Summary
The applicant, a 58-year-old assembler technician with a long history of employment and a previously held security clearance, faced security concerns under Guideline F due to significant financial issues, including multiple bankruptcies and unpaid debts. Despite demonstrating some efforts to address her financial situation, the judge found that the applicant had not provided sufficient evidence of a meaningful track record in resolving her debts, leading to a denial of her security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Collection $ 317.00 (1.a). Cell phone $ 882.00 (1.b). Collection $ 415.00 (1.c). Medical bill $ 75.00 (1.d). Collection $ 87.00 (1.e). Collection $ 1,013.00 (1.f). Collection $ 1,979.00 (1.g). Collection $ 3,688.00 (1.h). Repossession $ 7,334.00 (1.i). Collection $ 61.00 (1.j). Credit card $ 1,894.00 (1.k). Collection $ 410.00 (1.l). Collection $ 1,013.00 (1.m). Credit Card $ 7,968.00 (1.n). Collection $ 264.00 (1.o).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(d). The decision turned on the following: The applicant failed to provide sufficient documentation of debt resolution efforts; Significant financial problems were ongoing, with many debts remaining unpaid; The applicant's financial issues were exacerbated by circumstances beyond her control, but she did not demonstrate a credible plan for debt resolution.
Why the Applicant Was Denied
- The applicant failed to provide sufficient documentation of debt resolution efforts.
- Significant financial problems were ongoing, with many debts remaining unpaid.
- The applicant's financial issues were exacerbated by circumstances beyond her control, but she did not demonstrate a credible plan for debt resolution.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 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, 2013Applicant received SOR on July 17, 2013.
- Answer filedAug 5, 2013
- Hearing heldOct 17, 2013Hearing transcript received on October 28, 2013.
- Decision dateNov 1, 2013Record closed on this date.
Cite For
- Evaluation of Financial Considerations Under Guideline F
- Impact of Personal Circumstances on Financial Obligations
- Requirements for Demonstrating a Meaningful Track Record in Debt Resolution