Summary
A 29-year-old woman employed by a Department of Defense contractor was denied a public trust position due to financial considerations under Guideline F. The denial stemmed from 11 delinquent debts totaling approximately $12,443, which included charged-off credit card accounts, delinquent accounts referred for collection, and unpaid medical bills. These debts accumulated between December 2001 and May 2004.
The applicant cited financial hardship due to a recent divorce and lack of child support. However, the judge found her proposed repayment plan, which involved paying debts one at a time, insufficient to address concerns about her financial responsibility.
Ultimately, the judge determined that the applicant had not demonstrated a good-faith effort to resolve her outstanding debts, as most remained unpaid. This history of not meeting financial obligations and the inadequate repayment plan led to the denial of her security clearance.
Why the Applicant Was Denied
- The applicant has a history of not meeting financial obligations, with 11 delinquent accounts totaling approximately $12,443.
- The applicant's plan to pay debts one at a time was deemed insufficient to mitigate trustworthiness concerns.
- The applicant has not demonstrated a good-faith effort to resolve her debts, as most remain unpaid.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.3appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's ControlThe applicant's divorce and ex-husband's failure to pay child support contributed to her financial situation.
- E2.A6.1.3.4rejectedThe Person Has Received or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Under ControlThe applicant sought credit counseling but did not demonstrate sufficient progress in resolving her debts.
- E2.A6.1.3.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant's repayment efforts were minimal and did not reflect a good-faith effort.
Key Rule Quoted
“"The adjudicative process is an examination of a sufficient period of a person's life to make an affirmative determination that the person is eligible for a security clearance."”
Procedural Posture
- SOR issuedAug 14, 2006
- Answer filedSep 7, 2006Applicant requested a hearing.
- Hearing heldNov 28, 2006
- Decision dateJan 3, 2007
Cite For
- Financial Irresponsibility Under Guideline F
- Insufficient Evidence of Good-faith Efforts to Resolve Debts
- Impact of Personal Circumstances on Financial Obligations