Summary
The applicant, a 41-year-old technician, faced security clearance denial under Guideline F due to significant delinquent debts totaling approximately $27,800. Despite acknowledging the debts and citing financial strain from being the sole income earner, the applicant failed to demonstrate any efforts to resolve the debts or manage finances responsibly, leading to the conclusion that he posed a risk to national security.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: two automobile loans charged off for $18,602 (1.a). two automobile loans charged off for $993 (1.b). a credit card account in collection for $558 (1.c). a bank account charged off for $476 (1.d). two credit card accounts for the same creditor charge off for $466 (1.e). two credit card accounts for the same creditor charge off for $453 (1.f). a charged off account for $189 (1.g). a phone account charged off for $1,597 (1.h). a television service account in collection for $1,357 (1.i). an account placed for collection for $1,018 (1.j). a credit card account in collection for $947 (1.k). a credit card account in collection for $659 (1.l). a cable debt in collection for $390 (1.m). two medical accounts in collection for $110 (1.n). two medical accounts in collection for $55 (1.o).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant admitted to 12 allegations of delinquent debt totaling approximately $27,800; The applicant did not provide evidence of actions taken to resolve his financial issues or manage his debts responsibly; The applicant's financial problems were deemed not to be under control, raising concerns about his reliability and trustworthiness.
Why the Applicant Was Denied
- The applicant admitted to 12 allegations of delinquent debt totaling approximately $27,800.
- The applicant did not provide evidence of actions taken to resolve his financial issues or manage his debts responsibly.
- The applicant's financial problems were deemed not to be under control, raising concerns about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“A person who seeks access to classified information enters into a fiduciary relationship with the Government predicated upon trust and confidence.”
Procedural Posture
- SOR issuedMar 26, 2014
- Answer filedApr 25, 2014Applicant elected to have the matter decided on the written record.
- Hearing held—No hearing; decided on the written record.
- Decision dateMay 22, 2015
Cite For
- Failure to Demonstrate Responsible Management of Finances Under Guideline F
- Lack of Mitigating Circumstances for Financial Issues
- Importance of Demonstrating Efforts to Resolve Delinquent Debts in Security Clearance Cases