Summary
The applicant, a 31-year-old former Air Force member and current government contractor, faced security clearance denial under Guideline F due to nine delinquent debts totaling $87,887. Despite addressing one debt, he failed to provide sufficient evidence for the resolution of the remaining debts, raising concerns about his financial reliability and trustworthiness.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant is alleged to be indebted on a collection account in the amount of $554, as stated in SOR ¶ 1.a (1.a). Applicant is alleged to be indebted on a mortgage account that is past due in the amount of $82,146, as stated in SOR ¶ 1.b (1.b). Applicant was alleged to be indebted on a collection account in the amount of $204, as stated in SOR ¶ 1.c (1.c). Applicant is alleged to be indebted to a jeweler on a collection account in the amount of $2,994, as stated in SOR ¶ 1.d (1.d). Applicant is alleged to be indebted to a creditor on four medical collection accounts in the amounts of $620, $997, $91, and $181, as stated in SOR ¶¶ 1.e through 1.h (1.e). Applicant is alleged to be indebted to a creditor for a collection account in the approximate amount of $100 as stated in SOR ¶ 1.i (1.i).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: Applicant accumulated nine delinquent debts totaling $87,887, demonstrating an inability to satisfy debts; He failed to provide documentation showing he addressed the majority of his delinquent debts, raising concerns about his financial responsibility; The applicant did not present evidence of financial counseling or a plan to resolve his debts.
Why the Applicant Was Denied
- Applicant accumulated nine delinquent debts totaling $87,887, demonstrating an inability to satisfy debts.
- He failed to provide documentation showing he addressed the majority of his delinquent debts, raising concerns about his financial responsibility.
- The applicant did not present evidence of financial counseling or a plan to resolve his debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
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 issuedJul 16, 2014
- Answer filedAug 13, 2014Applicant requested a decision on the written record.
- Hearing held—No hearing; decision made on the written record.
- Decision dateJan 21, 2015
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Insufficient Evidence of Financial Responsibility Under Guideline F
- Failure to Demonstrate Mitigation of Financial Concerns