I’m getting a job within the Army that requires a TS clearance[never had one before, not even a confidential one ] I am currently working on the financial health part of my SF86. I’ve never had any gambling, drinking, illegal drug use issues[Thx to my dad for making me promise when I was 2 y/o]. I’m a US citizen but grew up elsewhere, and did not know that I have to sign up for Selective Service before my 26th birthday.
In 2010, I married my wife and lose my job then became homeless for a few months before we decided to sell our car and bought tickets to Tennessee to work in an Asian restaurant because my college degree from another country was/is pretty useless in the US. I did not know that I have to file taxes until I sat down with an immigration lawyer to help me get my wife a green card. My lawyer was shocked to learn that I have no idea about how and when to file taxes. So, I called the IRS and explained everything to them and then filed the returns even though I did not have the money to pay them yet. I kept filing for taxes, and in 2015 or 2016, when I was ready to get into the monthly payment plan with the IRS, I work decided to terminate me and put me in a tough position. How should I describe all this on my SF86 form? I just signed another agreement with the IRS recently, and have the copy in case the OPM wanna see it.
I have only 2 secured credit cards[using my own funds as credit] $500 each, and one car loan[23,000] which paid on time every month for 4 months now. I have a few negative stuff from many years ago during tough times when I was new to the adult life. I 've been evicted twice, one was 7-8 years ago, and another is in Nov 2012. I had a car repossessed once in Dec 2011 and owed like $3,000. On my credit report, under collections, shows only two items: $212 since Jun 2012, and $12,266 since Jun 2012 but they reported it in 2015. Should I get into the payment plan with them before completing my SF86? I do not know how deep can OPM dig into my past and I do not know if I owe anything else other than these items.
Many thanks in advance