Summary
The applicant, a 47-year-old defense contractor, faced security clearance denial under Guidelines E and F due to significant overdue debts and failure to provide truthful information on her Security Clearance Application. Despite some debts being addressed by a law firm, the majority remained unpaid, raising concerns about her financial stability and personal conduct.
Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant failed to provide truthful and candid answers to subsection g of Question 26, which asks, "Have you had bills or debts turned over to a collection agency?" Applicant answered "Yes" and listed four debts that were in collection, but Applicant wrote that the debts were paid off. However, it is alleged that the four debts listed were not paid off and are still owing (2.a). It is alleged in the SOR that Applicant failed to provide truthful and candid answers to subsection g of Question 26, which asks, "Have you had bills or debts turned over to a collection agency?" Applicant answered, "Yes," and listed four debts but Applicant failed to list all of the other debts listed in paragraph 1, which have been reviewed above (2.b). It is alleged in the SOR that Applicant failed to provide truthful and candid answers to subsection h of Question 26, which asks, "Have you had any account or credit card suspended, charged off, or cancelled for failing to pay as agreed?" Applicant answered, "No" to this subsection. It is alleged in the SOR that she failed to disclose that she was delinquent on all of the accounts set forth in paragraph 1, above (2.c). This overdue debt is cited in the SOR in the amount of $340 (1.a). This overdue debt is cited in the SOR in the amount of $1,489 (1.b). This overdue debt is cited in the SOR in the amount of $594 (1.c). This overdue debt is cited in the SOR in the amount of $3,402 (1.d). This overdue debt is cited in the SOR in the amount of $347 (1.e). This overdue debt is cited in the SOR in the amount of $2,171 (1.f). This overdue debt is cited in the SOR in the amount of $4,477 (1.g). This overdue debt is cited in the SOR in the amount of $4,000 (1.h). This overdue debt is cited in the SOR in the amount of $3,320 (1.i). This overdue debt is cited in the SOR in the amount of $2,072 (1.j). This overdue debt is cited in the SOR in the amount of $967 (1.k). This overdue debt is cited in the SOR in the amount of $5,434 (1.l). This overdue debt is cited in the SOR in the amount of $748 (1.m). This overdue debt is cited in the SOR in the amount of $360 (1.n). This overdue debt is cited in the SOR in the amount of $347 (1.o). This overdue debt is cited in the SOR in the amount of $315 (1.p). This overdue debt is cited in the SOR in the amount of $198 (1.q). This overdue debt is cited in the SOR in the amount of $198 (1.r). This overdue debt is cited in the SOR in the amount of $106 (1.s). This overdue debt is cited in the SOR in the amount of $557 (1.t).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19 (a), AG ¶ 19 (c), AG ¶ 16 (a). The decision turned on the following: Applicant has significant overdue debts that remain unpaid, indicating financial instability; Applicant failed to provide truthful and complete information on her Security Clearance Application regarding her debts.
Why the Applicant Was Denied
- Applicant has significant overdue debts that remain unpaid, indicating financial instability.
- Applicant failed to provide truthful and complete information on her Security Clearance Application regarding her debts.
Conditions Referenced
- AG ¶ 19 (a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19 (c)appliedHistory of Not Meeting Financial Obligations
- AG ¶ 16 (a)appliedDeliberate Omission, Concealment, or Falsification of Relevant Facts
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedNov 29, 2012
- Answer filedJan 12, 2013
- Hearing heldApr 10, 2013
- Decision dateJun 6, 2013
Cite For
- Financial Instability Due to Significant Overdue Debts Under Guideline F
- Failure to Provide Truthful Information on a Security Clearance Application Under Guideline E
- Impact of Personal Conduct on Security Clearance Eligibility