Summary
The applicant, a 47-year-old male with a history of financial difficulties, faced security concerns under Guideline F due to 21 delinquent debts totaling approximately $33,650. Despite acknowledging responsibility for many debts, he failed to provide evidence of efforts to resolve them, leading to a denial of his security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The debt in SOR ¶ 1.a ($9,471) is for a voluntarily repossessed car (1.a). The debt in SOR ¶ 1.b ($2,305) is for rent owed on a defaulted lease (1.b). The debt in SOR ¶ 1.d ($545) is a credit card account Applicant opened when he was trying to establish credit (1.d). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.e). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.f). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.g). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.h). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.i). The debts in SOR ¶¶ 1.e ($439), 1.f ($313), 1.g ($286), 1.h ($56), 1.i ($48) and 1.j ($40) are medical accounts (1.j). The debt in SOR ¶ 1.k ($470) is for a cell phone contract Applicant terminated early (1.k).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b). The decision turned on the following: Applicant has 21 delinquent debts totaling about $33,650 that he is unable or unwilling to pay; He failed to provide evidence that any of the debts have been paid, resolved, or disputed; His financial track record is unstable and unreliable, reflecting a long history of irresponsibility regarding fiscal duties.
Why the Applicant Was Denied
- Applicant has 21 delinquent debts totaling about $33,650 that he is unable or unwilling to pay.
- He failed to provide evidence that any of the debts have been paid, resolved, or disputed.
- His financial track record is unstable and unreliable, reflecting a long history of irresponsibility regarding fiscal duties.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlAlthough he attributed his financial problems to his ex-wife's spending habits, he did not act responsibly by failing to pay debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedFeb 28, 2015
- Answer filedApr 2, 2015Applicant elected to have his case decided on the written record.
- Hearing held—No hearing; decided on written record.
- Decision dateJun 28, 2016
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Impact of Financial Irresponsibility on Security Clearance Eligibility
- Importance of Providing Evidence of Debt Resolution Efforts