Summary
A 54-year-old Senior Training Development Specialist, holding two master's degrees, was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The Statement of Reasons detailed several financial allegations, including a $1,391 tax lien from April 2008, a charged-off bank debt of approximately $60,051, and a charged-off lender debt of about $121,640. Additionally, there was a mortgage account for her primary residence that became past due by approximately $81,316 without her knowledge, another mortgage account in foreclosure with a $445,900 balance, and an $81 medical collection debt.
The judge found that the applicant's financial difficulties were largely attributable to her ex-husband's fraudulent actions and abuse. Disqualifying conditions 19.(a) and 19.(c) were raised, but mitigating conditions 20.(b), 20.(c), and 20.(d) were applied.
The clearance was granted because the applicant demonstrated that her financial issues stemmed from her ex-husband's actions, provided compelling witness testimony regarding her character, and has since taken responsible steps to resolve her debts and maintain current financial obligations.
Why the Applicant Prevailed
- The applicant demonstrated that her financial difficulties were primarily caused by her ex-husband's fraudulent actions and abuse.
- She provided compelling witness testimony supporting her character and reliability.
- The applicant has taken responsible steps to resolve her financial issues and is current on her obligations.
Conditions Referenced
- 19.(a)raisedInability or Unwillingness to Satisfy Debts
- 19.(c)raisedA History of Not Meeting Financial Obligations
- 20.(b)appliedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- 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 Control
- 20.(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The adjudicative process is an examination of a sufficient period of a person’s life to make an affirmative determination that the person is an acceptable security risk.”
Procedural Posture
- SOR issuedMar 7, 2014
- Answer filed—Date uncertain
- Hearing heldAug 8, 2014
- Decision dateSep 17, 2014
Cite For
- Mitigation of Financial Issues Due to Abusive Relationships
- Impact of Fraudulent Actions by a Spouse on Security Clearance Eligibility
- Evidence of Rehabilitation and Responsible Financial Management After Hardship