Summary
The applicant, a 50-year-old outside machinist employed by a defense contractor since 1979, faced security clearance denial under Guideline F due to multiple unpaid debts, including medical debts, charged-off credit card debts, and a vehicle loan debt from a repossession. The judge found that the applicant failed to adequately explain her financial delinquencies or take steps to resolve her debts, leading to the conclusion that granting a security clearance was not consistent with national interest.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant owes unpaid judgment debts of $947 (1.a). Applicant owes unpaid judgment debts of $209 (1.b). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.c). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.d). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.e). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.f). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.g). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.h). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.i). Applicant owes a $746 medical debt in collection (1.k). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.l). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.m). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.n). Applicant owes 13 debts in collection owed to a hospital or its assignee totaling $980 (1.o). Applicant owes a delinquent car loan balance of $7,517 in collection (1.p).
The judge denied the clearance. The government raised disqualifying conditions E2.A6.1.2.1, E2.A6.1.2.3. The decision turned on the following: Applicant has multiple unpaid debts totaling over $10,000, including medical debts and charged-off credit card debts; Applicant did not provide sufficient evidence to explain her financial delinquencies or demonstrate efforts to resolve her debts; The judge found an attitude of disregard towards financial obligations, as evidenced by the lack of action taken to address numerous minor debts.
Why the Applicant Was Denied
- Applicant has multiple unpaid debts totaling over $10,000, including medical debts and charged-off credit card debts.
- Applicant did not provide sufficient evidence to explain her financial delinquencies or demonstrate efforts to resolve her debts.
- The judge found an attitude of disregard towards financial obligations, as evidenced by the lack of action taken to address numerous minor debts.
Conditions Referenced
- E2.A6.1.2.1raisedHistory of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
Key Rule Quoted
“An individual who is financially overextended is at risk of having to engage in illegal acts to generate funds.”
Procedural Posture
- SOR issuedAug 30, 2006
- Answer filedSep 26, 2006Not considered responsive.
- Hearing heldN/ADetermination made on the written record.
- Decision dateMar 29, 2007
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Failure to Demonstrate Resolution of Financial Delinquencies
- Disregard for Financial Obligations as a Security Risk