Summary
The applicant, a 40-year-old service delivery representative with an active security clearance, faced security concerns under Guideline F (Financial Considerations) due to numerous delinquent debts. Despite some efforts to resolve certain debts, the applicant's overall financial irresponsibility and lack of timely action to address unresolved debts led to the denial of his security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: penalty for early lease termination ($8,424) (1.a). penalty for early termination of cell phone contract ($1,364) (1.b). satellite television service ($730) (1.c). cell phone bill ($425) (1.d). telecommunications service ($56) (1.e). collection account ($636) (1.f). penalty for early lease termination ($8,217) (1.g). student loans ($1,186) (1.h). medical bill ($1,058) (1.i). student loans ($964) (1.j). student loans ($723) (1.k). collection account for loan ($307) (1.l). library debt ($237) (1.m). auto insurance ($102) (1.n). medical bill ($97) (1.o). auto insurance ($94) (1.p). fire insurance ($72) (1.q). municipal debt ($71) (1.r).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(d), AG ¶ 20(e). The decision turned on the following: The applicant has numerous delinquent debts that were not resolved in a timely manner; The applicant did not provide evidence of financial counseling or that his financial situation was under control; The applicant's financial issues were recent and numerous, indicating a pattern of financial irresponsibility.
Why the Applicant Was Denied
- The applicant has numerous delinquent debts that were not resolved in a timely manner.
- The applicant did not provide evidence of financial counseling or that his financial situation was under control.
- The applicant's financial issues were recent and numerous, indicating a pattern of financial irresponsibility.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlWhile some circumstances were beyond the applicant's control, he did not act responsibly to resolve his debts.
- AG ¶ 20(d)appliedIndividual Initiated a Good-faith Effort to Repay Overdue CreditorsThe applicant demonstrated some effort to resolve certain debts.
- AG ¶ 20(e)appliedIndividual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant disputed some debts, but not all.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the AG.”
Procedural Posture
- SOR issuedAug 23, 2015
- Answer filedSep 17, 2015
- Hearing heldDec 14, 2015
- Decision dateFeb 23, 2016
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Impact of Financial Irresponsibility on Security Clearance Eligibility
- Evaluation of Mitigating Conditions Under Guideline F