Summary
A 53-year-old supply technician and military retiree was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial delinquencies totaling approximately $31,619. The applicant, who has maintained a steady income since 2008, admitted to seven allegations of financial irresponsibility.
These allegations included an unsatisfied judgment of $3,437 to an educational institution, an admitted judgment of $897, and a $10,578 judgment for an unpaid credit card. Additionally, the applicant owed $3,093 to one creditor, $8,751 to a bank card creditor, and $4,778 to another creditor, all in collection status. An $85 debt to a municipality, also in collection, was also cited.
Despite the application of several mitigating conditions, the denial was based on the applicant's failure to provide documentation showing that most debts were satisfied or that a concrete plan for resolution was in place. This lack of a clear plan raised concerns regarding the applicant's reliability, trustworthiness, and good judgment.
Why the Applicant Was Denied
- The applicant admitted to seven allegations of financial delinquency totaling approximately $31,619.
- The applicant failed to provide documentation establishing that he had satisfied most of his debts or had a plan in place to resolve them.
- The applicant's financial situation raised concerns about his reliability, trustworthiness, and good judgment.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedUnresolved Financial Delinquency Occurred Long Ago or InfrequentlyThe applicant's financial delinquencies are ongoing.
- AG ¶ 20(b)rejectedConditions Resulting in Financial Problems Were Largely Beyond the Person's ControlThe applicant has been steadily employed since 2008.
- AG ¶ 20(c)rejectedEvidence of Financial CounselingThe applicant's financial counseling did not demonstrate improvement.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant failed to provide a plan to address his debts.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute Legitimacy of Past-due Debt
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedAug 7, 2013
- Answer filedSep 6, 2013
- Hearing heldFeb 3, 2014
- Decision dateFeb 28, 2014
Cite For
- Failure to Mitigate Financial Delinquencies Under Guideline F
- Ongoing Financial Issues Impacting Security Clearance Eligibility
- Importance of Demonstrating a Plan to Address Financial Obligations