Summary
The applicant, a 40-year-old college graduate and federal contractor, faced security concerns under Guideline F due to 33 delinquent debts totaling over $182,000. Despite attributing her financial issues to a divorce and a failed business, she failed to provide sufficient evidence of efforts to resolve her debts, leading to a denial of her security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Judgment in the amount of $3,300 (1.a). Judgment in the amount of $534 (1.b). Judgment in the amount of $250 (1.c). Judgment in the amount of $3,933 (1.d). Judgment in the amount of $164 (1.e). Judgment in the amount of $3,320 (1.f). Judgment in the amount of $648 (1.g). Federal tax lien in the amount of $15,224 (1.h). Federal tax lien in the amount of $921 (1.i). Federal tax lien in the amount of $737 (1.j). Federal tax lien in the amount of $737 (1.k). Vehicle repossession in the amount of $10,487 (1.l). Judgment in the amount of $7,425 (1.m). Judgment in the amount of $587 (1.q). Judgment in the amount of $584 (1.r). Vehicle repossession in the amount of $461 (1.t). Lease account placed for collection in the amount of $46,232 (1.v). Judgment in the amount of $22,045 (1.w). Disputed amount of $1,573 (1.x). Federal student loan debt in the amount of $41,494 (1.dd). Judgment in the amount of $14,178 (1.ee). Judgment in the amount of $777 (1.ff). Payment plan established for an unpaid dental bill (1.hh).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: Applicant admitted to 33 delinquent debts totaling over $182,000; She failed to provide documentation to support claims of debt resolution or disputes; The applicant did not demonstrate a good-faith effort to repay overdue creditors.
Why the Applicant Was Denied
- Applicant admitted to 33 delinquent debts totaling over $182,000.
- She failed to provide documentation to support claims of debt resolution or disputes.
- The applicant did not demonstrate a good-faith effort to repay overdue creditors.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedMar 21, 2014
- Answer filednullApplicant elected to have the case decided on the written record.
- Hearing heldnullNo hearing; decided on the written record.
- Decision dateNov 5, 2014
Cite For
- Failure to Provide Evidence of Financial Resolution Under Guideline F
- Impact of Financial Issues on Security Clearance Eligibility
- Importance of Documentation in Mitigating Financial Concerns