Summary
A 37-year-old single female defense contractor was denied a security clearance under Guideline F (Financial Considerations) due to 38 delinquent debts totaling approximately $82,284. The Statement of Reasons detailed that these numerous debts remained unpaid, with no payment plans established, and the applicant had not taken any steps toward resolving them. Her financial difficulties reportedly began around 2011 following a layoff from a retail company, compounded by medical conditions.
Despite acknowledging her financial problems, the applicant did not dispute any of the debts, seek financial counseling, or demonstrate good-faith efforts to pay or resolve them. She was also one month behind on her rent at the time of the review. The decision noted that her financial problems were not under control and she had not established a meaningful track record of financial responsibility.
The denial was based on the applicant's admission of the delinquent debts, her failure to make payments or establish payment plans, and her lack of responsible action or financial counseling to address the issues. The recent and multiple nature of the debts raised concerns about her reliability, trustworthiness, and judgment.
Why the Applicant Was Denied
- Applicant admitted to having numerous delinquent debts totaling approximately $82,284.
- She has not made any payments or established payment plans for her debts.
- Applicant did not seek financial counseling or demonstrate responsible actions to resolve her financial issues.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s ControlApplicant's medical conditions and unemployment contributed to her financial problems.
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(c)rejectedReceived or Is Receiving Counseling for the Problem
- AG ¶ 20(d)rejectedInitiated a Good-faith Effort to Repay Overdue Creditors
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedApr 1, 2015
- Answer filedApr 27, 2015
- Hearing heldJul 28, 2015
- Decision dateDec 7, 2015
Cite For
- Failure to Demonstrate Financial Responsibility Under Guideline F
- Impact of Chronic Medical Conditions on Financial Stability
- Importance of Taking Action to Resolve Financial Obligations for Security Clearance Eligibility