Summary
A 32-year-old federal contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to $11,716 in delinquent debts. These debts had remained unpaid for nearly four years as of December 19, 2005, forming the basis of multiple allegations in the Statement of Reasons.
The applicant attributed his financial difficulties to a recent divorce and a move out of the country. However, he failed to provide evidence of any efforts to resolve his debts, such as seeking credit counseling or establishing a repayment plan. The judge noted a history of not meeting financial obligations and found that the applicant's stated reasons for his difficulties were not substantiated with evidence demonstrating their impact on his ability to pay.
Ultimately, the judge concluded that the applicant did not meet his burden of proof to demonstrate that granting a clearance was consistent with national interest, leading to the denial. Disqualifying conditions E2.A6.1.2.1 and E2.A6.1.2.3 were raised, while mitigating conditions E2.A6.1.3.3, E2.A6.1.3.4, and E2.A6.1.3.6 were applied but did not overcome the concerns.
Why the Applicant Was Denied
- The applicant has a history of not meeting financial obligations, with debts totaling $11,716 that have been delinquent for nearly four years.
- He failed to provide evidence of any efforts to pay or resolve his debts, including no proof of seeking credit counseling or a debt repayment plan.
- The applicant's reasons for his financial difficulties were not substantiated with evidence of their impact on his ability to pay debts.
Conditions Referenced
- E2.A6.1.2.1appliedHistory of Not Meeting Financial Obligations
- E2.A6.1.2.3appliedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.3rejectedConditions Largely Beyond the Person's ControlThe applicant did not provide evidence of the financial impact caused by his divorce.
- E2.A6.1.3.4rejectedReceived or Receiving Counseling for the ProblemThe applicant offered no evidence of seeking or receiving financial counseling.
- E2.A6.1.3.6rejectedInitiated a Good-faith Effort to Repay Overdue CreditorsThe applicant failed to provide information showing efforts to recover records or contact creditors after four years.
Key Rule Quoted
“[No] one has a 'right' to a security clearance.”
Procedural Posture
- SOR issuedNov 3, 2005
- Answer filedDec 5, 2005
- Hearing held—Decision made without a hearing.
- Decision dateJun 30, 2006
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Failure to Demonstrate Mitigation of Financial Concerns Under Guideline F
- Impact of Personal Circumstances on Financial Responsibility Not Sufficient Without Evidence