"Criminal indebtedness"? My goodness, we have no debtor's prisons in Maine. I am not against rigorous research, however, I guess I just take a more old fashioned view in the way to do it. "Criminal indebtedness", by the way, is the subject of a book all Masons should read: "Slavery By Another Name :The Re-Enslavement of Black Americans from the Civil War to World War II" by Douglas A. Blackmon.
"Criminal indebtedness"? Really? My goodness. Two-thirds of the Masons on Wall Street and in Washington should be expelled for that!
Perhaps that's a little hyperbole, but I know plenty of Masons, and good ones, who had some scrapes with the law in their background, most of them for being "outside agitators" in the South some decades ago and some decades even more near to our own.
If criminal indebtedness bothers you then substitute it with another criminal offense and read it again. Point would be the same.
Either way, it's just differing points of view. We always have three trustworthy men assigned as investigation team and I trust they will fully vet each candidate to determine whether they are good people.