Summary
A 43-year-old software engineer was denied a security clearance under Guideline F (Financial Considerations) due to significant unresolved financial issues. The applicant had 25 outstanding debts totaling $25,893, some of which arose from his 2010 divorce. He also pays $1,320 monthly in child support and alimony.
Despite acknowledging his financial obligations, the applicant failed to demonstrate any efforts to resolve these debts, including those under $100. His only stated plan for repayment was to use proceeds from the sale of his former marital home, but no documentation was provided to confirm the sale or his former wife's departure or purchase of his share.
The record lacked evidence of financial counseling, a fully explained household income and expenses, or a reasonable repayment plan. The applicant's failure to take action on his debts, coupled with the absence of a credible resolution strategy, led to concerns about his reliability, judgment, and trustworthiness, resulting in the denial of his security clearance.
Why the Applicant Was Denied
- Applicant has significant unresolved debts totaling $25,893, with no evidence of repayment efforts.
- Applicant's financial issues stem from his divorce, but he has not taken action to mitigate these debts.
- The applicant lacks a credible plan to resolve his financial obligations, raising concerns about his reliability.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- F.2.brejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlWhile the applicant's debts arose partly from his divorce, he has not taken action to resolve them.
- F.2.crejectedThe Person Has Received or Is Receiving Counseling for the ProblemThere is no evidence that the applicant has received financial counseling.
- F.2.drejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant has made no effort to contact creditors or establish a repayment plan.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedMay 23, 2014
- Answer filedJun 16, 2014Requested decision on the written record.
- Hearing held—No hearing; decision made on the written record.
- Decision dateFeb 20, 2015
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Lack of Credible Financial Repayment Plan as a Basis for Security Clearance Denial
- Impact of Personal Circumstances on Financial Responsibility in Security Clearance Evaluations