Summary
The applicant, a 35-year-old deck electrician, faced security concerns under Guideline F due to numerous delinquent debts totaling approximately $22,000. Despite some efforts to address certain debts, the applicant's overall financial irresponsibility and lack of proactive measures to resolve outstanding obligations led to the denial of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: judgments for unpaid rent filed in December 2009 and December 2008 for $997 and $1,948 (1.a). judgments for unpaid rent filed in December 2009 and December 2008 for $997 and $1,948 (1.b). deficiency after repossession of car, charged off for $8,127 (1.c). delinquent car loan, charged off for $4,308 (1.d). delinquent loan, charged off for $1,969 (1.e). collection account for unpaid rent for $1,758 (1.f). delinquent credit-card account charged off for $1,002 (1.g). delinquent utility bill charged off for $39 (1.h). delinquent telecommunications bill for $1,292 (1.i). collection accounts for medical debt $662 (1.j). collection accounts for medical debt $244 (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(a), AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), AG ¶ 20(e). The decision turned on the following: The applicant admitted to all allegations of delinquent debts totaling about $22,000; The applicant failed to demonstrate a consistent pattern of financial responsibility or proactive debt resolution; The applicant did not seek financial counseling or take significant actions to resolve most of his debts.
Why the Applicant Was Denied
- The applicant admitted to all allegations of delinquent debts totaling about $22,000.
- The applicant failed to demonstrate a consistent pattern of financial responsibility or proactive debt resolution.
- The applicant did not seek financial counseling or take significant actions to resolve most of his debts.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Occurred Under Circumstances Unlikely to Recur
- AG ¶ 20(b)rejectedConditions That Resulted in Financial Problems Were Largely Beyond the Person's Control
- AG ¶ 20(c)rejectedReceived or Is Receiving Counseling for the Problem
- AG ¶ 20(d)appliedInitiated a Good-faith Effort to Repay Overdue CreditorsThe applicant began making payments on two judgments after the hearing.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the AG.”
Procedural Posture
- SOR issuedJan 26, 2015
- Answer filedMay 5, 2015
- Hearing heldAug 24, 2015
- Decision dateSep 21, 2015
Cite For
- Financial Irresponsibility Under Guideline F
- Criteria for Evaluating Financial Considerations in Security Clearance Cases
- Burden of Proof Regarding Mitigating Conditions in Financial Issues