Summary
The applicant, a 41-year-old single mother and security guard, faced financial issues under Guideline F due to approximately $23,000 in delinquent debts, primarily stemming from past relationships. Despite some progress in reducing her debts, the judge found insufficient evidence of a clear plan to address the remaining obligations, leading to a denial of her security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: a $311 judgment (1.a). a $311 judgment (1.b). a delinquent credit card totalling $2,435 (1.c). several medical accounts totalling approximately $1,000 (1.d). several medical accounts totalling approximately $1,000 (1.e). several medical accounts totalling approximately $1,000 (1.f). two delinquent phone accounts totalling approximately $475 (1.g). the deficiency remaining from a foreclosed time share property (1.h). three delinquent loans totalling approximately $12,000 (1.i). two delinquent phone accounts totalling approximately $475 (1.j). three delinquent loans totalling approximately $12,000 (1.k). three delinquent loans totalling approximately $12,000 (1.l). a delinquent speeding ticket totalling $300 (1.m).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(c), AG ¶ 20(d). The decision turned on the following: The applicant has approximately $23,000 in delinquent debts, with a significant portion remaining unpaid; There is an absence of a clear plan to address the remaining debts, raising concerns about her financial stability; The applicant's financial issues have recurred over time, indicating a lack of control over her financial situation.
Why the Applicant Was Denied
- The applicant has approximately $23,000 in delinquent debts, with a significant portion remaining unpaid.
- There is an absence of a clear plan to address the remaining debts, raising concerns about her financial stability.
- The applicant's financial issues have recurred over time, indicating a lack of control over her financial situation.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under ControlThe applicant made some payments towards her debts, but it was insufficient to demonstrate control over her financial situation.
- AG ¶ 20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsWhile the applicant made some payments, the judge found no clear plan to address remaining debts.
Key Rule Quoted
“"Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified information."”
Procedural Posture
- SOR issuedFeb 28, 2014
- Answer filedMar 10, 2014
- Hearing heldJun 3, 2014
- Decision dateJul 29, 2014
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Recurrence of Financial Issues Impacting Security Clearance Eligibility
- Insufficient Evidence of a Clear Plan to Address Debts Under Guideline F