Summary
The applicant, a 45-year-old woman employed as a benefit service representative, faced financial difficulties due to her husband's job loss and incurred significant medical and credit card debt. Despite having multiple delinquent debts, the applicant demonstrated a commitment to repaying her obligations and managing her finances responsibly, leading to the granting of her security clearance under Guideline F.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Medical bill (2001) $ 101.00 (1.a). Credit - home building (2002) $1,097.00 (1.b). Credit card (2002) $3,907.00 (1.c). Credit card (2002) $1,767.00 (1.d). Department store credit (2001) $3,486.00 (1.e). Medical bill (2002) $ 545.00 (1.f). Hospital bill (2002) $ 247.00 (1.g). Credit - home building (2003) $5,534.00 (1.h). Medical bill (2004) $ 235.00 (1.i). Medical bill ((2004) $2,521.00 (1.j). Medical bill (2004) $ 192.00 (1.k). Medical bill (2005) $ 150.00 (1.l).
The judge granted the clearance. The government raised disqualifying conditions E2.A6.1.2.1, E2.A6.1.2.3. The judge applied mitigating conditions E2.A6.1.3.3, E2.A6.1.3.4, E2.A6.1.3.6. The decision turned on the following: The applicant has made timely payments on current debts and has a plan to address old debts; The applicant's financial difficulties were largely due to her husband's prolonged unemployment, which was beyond her control; The applicant has not incurred additional delinquent debts in recent years and has shown a commitment to financial responsibility.
Why the Applicant Prevailed
- The applicant has made timely payments on current debts and has a plan to address old debts.
- The applicant's financial difficulties were largely due to her husband's prolonged unemployment, which was beyond her control.
- The applicant has not incurred additional delinquent debts in recent years and has shown a commitment to financial responsibility.
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 Control (e.g., Loss of Employment, a Business Downturn, Unexpected Medical Emergency, or a Death, Divorce, or Separation)
- E2.A6.1.3.4appliedThe Person Has Received or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Under Control
- E2.A6.1.3.6appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
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 issuedJun 29, 2006
- Answer filedJul 13, 2006Applicant responded to SOR and requested a hearing.
- Hearing heldFeb 14, 2007Applicant waived her right to 15 days notice.
- Decision dateMar 30, 2007
Cite For
- Mitigation of Financial Considerations Under Guideline F
- Impact of Significant Life Events on Financial Responsibility
- Demonstrating Good Faith Efforts to Repay Debts