ISCR Case No. 04-07719.h1

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ÝÔ USUS., ÔÝ ÝÛŒÝ4 a4\{0Backup 3|x ÿU ‹ÿÀÀÀ(Ö Ã 9 Z ‹ (Times New Roman Ñ e Ñ Ñ e Ñ (Y( 3x.$¤¤Ý ƒ üœ! ÝÔ USUS., ÔÝ ÝÓ ÓÔ € ô ä ò X X Ôà àò òÚ Ú0Ú Úó ó ( #Ã$ ò òÚ Ú0Ú Úó ó ISCR ô \ ` &Times New Roman ½ Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú1Ú Ú.Ý ÝÔ_ Ô€€Ô ‡ X ædX X X ÔRequired€by€Executive€Order€10865,€ò òSafeguarding€Classified€Information€Within€Industry€ó ó(Feb.€20,€1960,€as€amended,€and€Department€of€Defense€DirectiveÐ Ð5220.6,€ò òDefense€Industrial€Personnel€Security€Clearance€Review€Program€ó ó(Jan.€2,€1992)€(Directive),€as€amended.Ô #† X ædX X X ædV#Ô (. 3Ly$¥¥Ý ƒ üœ! ÝÔ USUS., ÔÝ ÝÚ Ú0Ú Ú. ( &Ó$‘‘ò òÚ Ú1Ú Úó ó ]Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú2Ú Ú.Ý ÝÔ_ Ô€€Item€4. ]Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú3Ú Ú.Ý ÝÔ_ Ô€€Item€6. Ñ ² Ñ _Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú4Ú Ú.Ý ÝÔ_ Ô€€ò òId.ó ó ]Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú5Ú Ú.Ý ÝÔ_ Ô€€Item€5. ]Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú6Ú Ú.Ý ÝÔ_ Ô€€Item€7. T Ñ T RXì 3Ø' LetterXì 3Ø' Letterhead 3Ø' Letter xD4D^d@XdXdXBbd88d8œddddBN8d 3Ø' Avery 5162 AddressT Ñ ^Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú7Ú Ú.Ý ÝÔ_ Ô€€Item€10. ïÝ ƒ Ly% ÝÔ USUS., ÔÚ Ú8Ú Ú.Ý ÝÔ_ Ô€€Item€9.€Applicant€disputed€one€account€owed€to€a€realtor,€but€presented€no€evidence€to€corroborate€that€he€has€made€efforts€to€formally€dispute€the€debt. »Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú9Ú Ú.Ý ÝÔ_ Ô€€Applicantð ðs€statement€in€the€SF€86€indicated€his€move€and€period€of€unemployment€happened€in€2002. qÝ ƒ Ly% ÝÔ USUS., ÔÚ Ú10Ú Ú.Ý ÝÔ_ Ô€€Directive,€ð ð€E2.A6.1.1. âÝ ƒ Ly% ÝÔ USUS., ÔÚ Ú11Ú Ú.Ý ÝÔ_ Ô€€Ô ‡ X ædX X X Ôò òSeeó ó€ò òDepartment€of€the€Navy€v.€Eganó ó,€484€U.S.€518,€531€(1988).Ô #† X ædX X X ædW#Ô Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú12Ú Ú.Ý ÝÔ_ Ô€€ISCR€Case€No.€98"0761,€at€p.€2€(December€27,€1999)(Substantial€evidence€is€more€than€a€scintilla,€but€less€than€a€preponderance€of€the€evidence.);€ISCRÐ ¨ ¨ ÐCase€No.€02"12199,€at€p.€3€€(April€3,€2006)(Substantial€evidence€is€such€relevant€evidence€as€a€reasonable€mind€might€accept€as€adequate€to€support€aÐ ” ” Ðconclusion€in€light€of€all€the€contrary€evidence€in€the€record.);€Directive,€ð ð€E3.1.32.1.ÿÿ Document2zzSDUNumber3 }Ý ƒ Ly% ÝÔ USUS., ÔÚ Ú13Ú Ú.Ý ÝÔ_ Ô€€ò òEgan,ó ó€484€U.S.€518,€at€528,€531. ÆÝ ƒ Ly% ÝÔ USUS., ÔÚ Ú14Ú Ú.Ý ÝÔ_ Ô€ €Ô ‡ X ædX X X Ôò òSeeó ó€ò òEganó ó;€Directive,€ð ð€E2.2.2.Ô #† X ædX X X ædW#Ô qÝ ƒ Ly% ÝÔ USUS., ÔÚ Ú15Ú Ú.Ý ÝÔ_ Ô€€Directive,€ð ð€E2.A6.1.1.: web3dhrz16 0 €€€d ÿÿÿdÿÿ Document2zzSDUNumber18 <೦bb ÿÿ:Normal (Web)Ñ ÑÓ ÓÓ 2( Ü Ü 4 Œ ä < ” ì D œ ô L ¤ 2ÓÔ ‡ X X X ÔÔ ‡ ô ô ô ÔÑ ÑÓ 2( Ü Ü 4 Œ ä < ” ì D œ ô L ¤ 2ÓÓ Ó ÿÿ4Hyperlinkó óò òÔ ÿ Ôó óÔ Ô d ( ÍO$——Ô ÿ Ôò òó óÔ ÿ ÔÝ ƒ üœ! ÝÔ USUS., ÔÝ ÝÔ_ ÔÑ T @RY, 3Ø' LetterheadXà 3Ø' Letter 3Ø' Letterÿ 3Ø' T ÑÑ @ h ° ÑÑ € ÑÑ 8À ä ò ò dÄdÈ8ÑÑ @ ÑÑ À ïO ÑÑ À ( w³ ÑÑ À # P1 ÑÑ À ïO ÑÑ ÑÖ À ÿÿ ÖKEYWORD:€€Financial€ConsiderationsÐ ÐDIGEST:€€Applicant€has€a€history€of€failing€to€meet€his€financial€obligations€dating€back€to€the€mid€1980s.€As€of€the€date€he€answered€the€Ô_ ÔSORÔ_ Ô,€he€had€13Ð ìì Ðdelinquencies€he€has€been€carrying€for€many€years.€He€established€circumstances€beyond€his€control€contributing€to€his€inability€to€pay€his€debts.Ð Ø Ø ÐNotwithstanding, €he€is€financially€overextended€and€failed€to€show€that€he€is€in€control€of€his€finances€or€that€he€made€efforts€to€repay€creditors€or€otherwiseÐ Ä Ä Ðresolve€his€debts.€He€lacks€a€track€record€of€financial€responsibility€and€the€circumstances€contributing€to€his€financial€difficulties€are€likely€to€recur.€ClearanceÐ ° ° Ðis€denied.Ð œ œ ÐCASE€NO:€04"07719.h1Ð ˆ ˆ ÐDATE:€05/19/2006Ð t t ÐÔ @ Ôà @ àà @` àà @¸ àà @ àà @h àà @À àà @ àà @p àDATE:€May€19,€Ô_ Ô2006Ô_ ÔÐ ` ` ÐÔ @ Ôß A€ [ ) ° ° x dEx´ 2AßÐ L L ÐÌIn€re:Ð ( ( ÐÌ"""""""""""""""""""""""Ô_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÐ Ðà @ àÔ_ ÔSSNÔ_ Ô:€Ô_ Ô"""""""""""Ô_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÐ ì ì ÐÌApplicant€for€Security€ClearanceÐ Ä Ä ÐÌß A€ [ ) ° ° x dEx 2AßÐ œ œ ÐÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÓ @ p ° œX ÓÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÔ_ Ô€ISCR€Case€No.€04"07719Ð Œ Œ ÐÐ x x ÐÔ_ ÔÔ_ ÔÓ @ ° \ X ›X p ÓÌò òÓ ÓDECISION€OF€ADMINISTRATIVE€JUDGEÐ ìì ÐJUAN€J.€RIVERAÐ Ø Ø ÐÌÌò òAPPEARANCESó óÐ œ œ Ðó óÌÔ € & úw % X X Ôò òFOR€GOVERNMENTó óÐ t t ÐDaniel€F. €Crowley,€Esq.,€Department€CounselÐ L L ÐÌò òFOR€APPLICANTó óÐ ü ü Ðò òPro€Seó óÔ € X ædX % & úw ÔÐ Ô Ô ÐÑ C (w³ ÑÑ C ÑÌÌò òò òSYNOPSISÐ " " ÐÓ ÓÔ @ ÔÌó óó óÔ ‡ X ædX X X æd ÔÓ !@ ° ° ŽX ° \ X ›X !ÓÔ @ Ôà @ àÔ @ ÔApplicant€has€a€Ô #† X ædX X X ædX #Ôhistory€of€failing€to€meet€his€financial€obligations€dating€back€to€the€mid€1980s.€As€of€the€date€he€answered€the€Ô_ ÔSORÔ_ Ô,€he€had€13€delinquenciesÐ \ \ Ðhe€has€been€carrying€for€many€years. €Ô ‡ X ædX X X æd ÔHe€established€Ô #† X ædX X X ædÕ #Ôcircumstances€beyond€his€control€contributing€to€his€inability€to€pay€his€debts.€Notwithstanding,€he€isÐ H H Ðfinancially€overextended€and€failed€to€show€that€he€is€in€control€of€his€finances€or€that€he€Ô ‡ X ædX X X æd Ômade€efforts€to€repay€creditors€or€otherwise€resolve€his€debts.€HeÐ 4 4 Ðlacks€a€track€record€of€financial€responsibility€and€the€circumstances€contributing€to€his€financial€difficulties€are€likely€to€recur.Ô #† X ædX X X ædÿ #ÔÔ ‡ X ædX X X æd Ô€Ô #† X ædX X X æd #ÔÔ ‡ X ædX X X æd ÔClearance€is€denied.Ð ÐÔ #† X ædX X X æda #Ôò òò òÐ ÐÔ_ ÔÑ C ïO ÑÑ C ÑÔ ‡ X ædX X X æd ÔÓ ÓSTATEMENT€OF€THE€CASEÐ ÐÌó óó óÓ Óà @ àÔ @ ÔOn€May€6,€2005,€the€Defense€Office€of€Hearings€and€Appeals€(DOHA)€issued€Applicant€a€Statement€of€Reasons€(Ô_ ÔSORÔ_ Ô)€alleging€facts€which€raise€securityÐ Ø Ø Ðconcerns€under€Guideline€F€(Financial€Considerations)Ô #† X ædX X X æd #ÔÔ ‡ X ædX X X æd Ô.€The€Ô_ ÔSORÔ_ Ô€informed€ApplicÔ #† X ædX X X ædµ #ÔÔ ‡ X ædX X X æd Ôant€that,€based€on€information€available€to€the€Government,€DOHAÐ Ä Ä Ðadjudicators€could€not€make€a€preliminary€affirmative€finding€that€it€is€clearly€consistent€with€the€national€interest€to€grant€his€access€to€classified€Ô_ Ôinformation.× ƒ Ý ê1 ×Ý ƒ &Ó Ýò òÚ Ú1Ú Úó óÝ Ý× Ý &2 ×Ô_ ÔÐ ° ° ÐÌÔ% ‡ 0 ÔÔ% † 0× Ôà @ àOn€June€4,€2005,€Applicant€answered€the€Ô_ ÔSORÔ_ Ô€(Answer),€admitted€all€allegations,€and€Ô #† X ædX X X æd0 #ÔÔ ‡ X ædX X X æd Ôrequested€a€clearance€decision€based€on€the€written€record€without€aÐ ˆ ˆ Ðhearing.Ô #† X ædX X X æd˜ #ÔÔ ‡ X ædX X X æd Ô€Ô #† X ædX X X æd; #ÔÔ ‡ X ædX X X æd ÔOn€February€28,€2006,€Department€Counsel€prepared€a€File€of€Relevant€Material€(FORM)€which€was€mailed€to€Applicant€on€March€1,€2006.€HeÐ t t Ðacknowledged€receipt€of€the€FORM€on€March€8,€2006,€and€did€not€object€to€anything€contained€in€the€FORM€or€submit€additional€information€forÐ ` ` Ðconsideration€within€the€30"day€time€period€provided€to€him. €Ô #† X ædX X X æd~ #ÔÔ ‡ X ædX X X æd ÔThe€case€was€assigned€to€me€on€April€28,€Ô_ Ô2006.Ô #† X ædX X X æd: #ÔÔ ‡ X ædX X X æd ÔÔ #† X ædX X X ædº #ÔÔ_ ÔÓ ?@+ ° ° ` ¸ h À p È x Ð ° ° ŽX ?ÓÔ ‡ X ædX X X æd ÔÐ L L ÐÔ #† X ædX X X ædK #ÔÔ ‡ X ædX X X æd ÔÌÓ ÓÔ #† X ædX X X æd¢ #ÔÔ ‡ X ædX X X æd Ôò òò òFINDINGS€OF€FACTÐ $ $ ÐÓ ÓÔ #† X ædX X X ædñ #ÔÌó óó óÓ ÓÓ Óà @ àò òò òó óó óÔ ‡ X ædX X X æd ÔApplicant€admitted€all€the€Ô_ ÔSORÔ_ Ô€allegations.€His€Ô #† X ædX X X æd¡ #Ôadmissions€are€incorporated€herein€as€findings€of€facts.€After€a€thorough€review€of€the€Ô_ ÔpleadingsÔ_ Ô€and€theÐ ü ü Ðevidence,€I€make€the€following€additional€findings€of€facts:Ð è è ÐÌà @ àÔ @ ÔApplicant€is€44€years€Ô_ Ôold;Ô_ Ô€he€married€his€wife€in€1981,€and€has€two€adult€stepsons.€It€is€not€clear€from€his€security€clearance€application€(SF€Ô_ Ô86)× ƒ !Ý B- ×Ý ƒ &Ó Ýò òÚ Ú2Ú Úó óÝ Ý× Ý ~- ×Ô_ Ô€whether€heÐ À À Ðcompleted€high€school,€however,€he€attended€a€vocational€school€from€1976€to€1980.€He€has€worked€as€an€electrician€Ô_ ÔfromÔ_ Ô€1984€to€the€present.€With€theÐ ¬ ¬ Ðexception€of€a€Ô_ ÔÔ_ ÔÔ_ Ôthree"monthÔ_ Ô€period€of€unemployment€in€early€2002,€Applicant€has€been€continuously€employed€since€1984.€Applicant€works€for€a€companyÐ ˜ ˜ Ðdoing€business€with€the€Department€of€Defense€(DOD).€In€April€2002,€he€applied€for€a€different€position€within€the€company€and€requires€access€to€classifiedÐ " " Ðinformation€to€qualify€for€the€job. €There€is€no€evidence€Applicant€has€ever€mishandled€or€otherwise€risked€the€compromise€of€classified€information.€Ð p p ÐÌÔ @ Ôà @ àIn€1986,€a€defense€investigator€interviewed€Applicant€concerning€possible€financial€Ô_ Ôconcerns.× ƒ "Ý ¬ ×Ý ƒ &Ó Ýò òÚ Ú3Ú Úó óÝ Ý× Ý è ×Ô_ Ô€After€Ô_ Ôbeing€confrontedÔ_ Ô€with€delinquencies€on€a€credit€report,€heÐ H H Ðstated€he€was€not€aware€of€the€delinquencies€because€his€wife€was€in€charge€of€the€household€finances.€He€promised€to€establish€payment€plans€and€resolve€hisÐ 4 4 Ðfinancial€Ô_ Ôproblems.× ƒ $Ý ~ ×Ý ƒ &Ó Ýò òÚ Ú4Ú Úó óÝ Ý× Ý º ×Ô_ Ô€The€credit€report€used€to€confront€Applicant€showed€10€accounts,€nine€of€which€were€delinquent€(bad€debts€or€90€days€due€or€inÐ ÐÔ_ Ôcollection).× ƒ %Ý ×Ý ƒ &Ó Ýò òÚ Ú5Ú Úó óÝ Ý× Ý < ×Ô_ ԀРÐÌà @ àIn€December€1996,€Applicant€and€his€wife€filed€for€Chapter€7€bankruptcy€protection,€and€they€were€discharged€of€their€debts€in€January€1997.€He€had€$2,030€inÐ ä ä Ðassets€and€$26,849€in€Ô_ Ôliabilities.× ƒ 'Ý t ×Ý ƒ &Ó Ýò òÚ Ú6Ú Úó óÝ Ý× Ý ° ×Ô_ ÔÐ Ð Ð ÐÌà @ àIn€May€2003,€Applicant€submitted€Ô_ ÔanÔ_ Ô€SF€86€in€which€he€disclosed€that€in€the€last€seven€years€he€had€10€debts€Ô_ Ômore€thanÔ_ Ô€180€days€delinquent,€nine€of€whichÐ ¨ ¨ Ðwere€for€passing€bad€checks.€He€also€disclosed€six€additional€accounts€in€which€he€was€over€90€days€Ô_ Ôdelinquent;Ô_ Ô€one€involved€a€bad€check.€In€the€generalÐ ” ” Ðremarks€section€of€the€SF€86€(question€43),€Applicant€explained€his€financial€problems€were€the€result€of€several€factors:€in€2002€he€was€out€of€work€for€threeÐ € € Ðmonths€when€he€Ñ C #P1 ÑÑ C Ñmoved€from€one€state€to€another;€in€early€2002€he€provided€financial€assistance€to€both€of€his€adult€stepsons; €his€wife€was€handling€theÐ l l ! Ðhousehold€finances€and€was€writing€checks€without€sufficient€funds;€and€he€had€additional€expenses€caused€by€higher€utility€and€telephone€bills.Ð X X " ÐÌÒ e ° Òà @ àIn€April€2004,€Applicant€provided€a€Ô_ Ôstatement× ƒ )Ý Þ ×Ý ƒ &Ó Ýò òÚ Ú7Ú Úó óÝ Ý× Ý ×Ô_ Ô€to€a€government€investigator€in€which€he€acknowledged€numerous€delinquencies€reflected€on€his€March€2004Ð 0!0!$ Ðcredit€Ô_ Ôreport.× ƒ *Ý ~ ×Ý ƒ &Ó Ýò òÚ Ú8Ú Úó óÝ Ý× Ý º ×Ô_ Ô€Applicant€stated€he€and€his€wife€were€in€the€process€of€contacting€creditors€to€make€arrangements€to€resolve€their€debts. €He€claimed€the€debtsÐ " "% Ðwere€caused€by€his€unemployment€from€about€January€to€April€Ô_ Ô2001,× ƒ +Ý ×Ý ƒ &Ó Ýò òÚ Ú9Ú Úó óÝ Ý× Ý J ×Ô_ Ô€when€he€moved€from€one€state€to€another€and€had€no€job.€His€unemployment€caused€himÐ # #& Ðto€get€behind€on€many€of€his€financial€obligations,€and€Ô_ Ôhe€wasÔ_ Ô€now€getting€back€to€the€point€where€he€could€start€resolving€some€of€the€debts.€Applicant€averredÐ ô#ô#' Ðthe€delinquencies€were€not€caused€by€their€financial€irresponsibility,€that€their€current€financial€situation€was€stable,€and€that€they€were€paying€their€bills€on€timeÐ à$à$( Ðevery€month. €He€further€stated€they€had€the€means€and€willingness€to€resolve€their€delinquencies.€Applicant€also€provided€a€personal€financial€statementÐ Ì%Ì%) Ðindicating€that€in€2004€his€gross€Ô_ Ômonthly€incomeÔ_ Ô€was€$4,000,€and€after€Ô_ ÔdeductingÔ_ Ô€expenses€and€debts,€Ô_ Ôhe€hadÔ_ Ô€a€remainder€of€$760.€However,€the€personalÐ ¸&¸&* Ðfinancial€statement€also€indicates€Applicant€had€$18,000€in€delinquent€debt€with€no€payments€scheduled€or€being€made€Ô_ ÔtowardÔ_ Ô€this€debt.Ð ¤'¤'+ ÐÌà @ àThe€Ô_ ÔSORÔ_ Ô€alleges€13€delinquent€Ô_ Ôaccounts, €totaling€Ô_ Ô$9,153,Ô_ ÔÔ_ Ô€Ô_ ÔwhichÔ_ Ô€Applicant€admitted€without€explanation.€Applicant€provided€no€additional€informationÐ |)|)- Ðconcerning€when€or€how€he€acquired€Ô_ ÔtheÔ_ Ô€debts;€whether€he€has€paid€off€any€of€the€Ô_ Ôdebts,Ô_ Ô€or€whether€has€made€any€effort€to€resolve€the€debts€as€he€promisedÐ h*h*. Ðwhen€he€submitted€his€SF€86€in€2003.€There€is€no€information€as€to€how€he€intends€to€resolve€his€financial€predicament€or€what€he€has€done€or€intends€to€do€toÐ T+T+/ Ðprevent€it€from€happening€again.€In€light€of€the€available€evidence,€I€find€that€all€the€delinquencies€alleged€in€the€Ô_ ÔSORÔ_ Ô€are€still€outstanding.Ð @,@,0 ÐÔ_ ÔÔ_ ÔÔ_ ÔÔ_ ÔÓ } ÓÔ ‡ X ædX X X æd Ôò òò òPOLICIESó óó óÐ ,-,-1 ÐÓ ÓÌà @ àThe€Directive€sets€forth€adjudicative€guidelines€which€must€be€considered€in€evaluating€an€Applicant's€eligibility€for€access€to€classified€information.€TheÐ / /3 Ðadministrative€judge€must€take€into€account€both€disqualifying€and€mitigating€conditions€under€each€adjudicative€guideline€applicable€to€the€facts€andÐ ð/ð/4 Ðcircumstances€of€the€case.€The€Ô_ ÔÔ #† X ædX X X æd06#ÔÔ ‡ X ædX X X æd ÔguidelinesÔ_ Ô€are€not€viewed€as€inflexible€ironclad€rules€of€law.€The€presence€or€absence€of€a€disqualifying€or€mitigating€conditionÐ Ü0Ü05 Ðis€not€determinative€of€a€conclusion€for€or€against€an€Applicant.€Ô #† X ædX X X ædC8#ÔÔ ‡ X ædX X X æd ÔEach€decision€must€Ô_ ÔÔ_ ÔÔ_ ÔreflectÔ_ Ô€a€fair€and€impartial€common€sense€consideration€of€the€factors€listedÐ È1È16 Ðin€Section€6.3€of€the€Directive,€and€the€whole€person€concept.€Ô #† X ædX X X ædm9#ÔÔ ‡ X ædX X X æd ÔHaving€considered€the€record€evidence€as€a€whole,€I€conclude€Guideline€F€(FinancialÐ ÐÔ_ ÔConsiderations)Ô #† X ædX X X æd£:#ÔÔ ‡ X ædX X X æd Ô× ƒ ,Ý j ×Ý ƒ &Ó Ýò òÚ Ú10Ú Úó óÝ Ý× Ý â ×Ô_ Ô€is€the€applicable€relevant€adjudicative€guideline.Ð ìì ÐÔ #† X ædX X X ædl;#ÔÔ ‡ X ædX X X æd ÔÌÌÓ x6 ÓÓ Óò òò òBURDEN€OF€PROOFó óó óÐ ° ° ÐÓ <೦ÓÓ J ÓÌà @ àÔ #† X ædX X X æd_<೦#ÔÔ ‡ X ædX X X æd ÔThe€purpose€of€a€security€clearance€decision€is€to€Ô_ Ôdetermine€Ô_ ÔÔ_ ÔwhetherÔ_ Ô€it€is€clearly€consistent€with€the€national€interest€to€grant€or€continue€an€applicantð ðsÐ ˆ ˆ Ðeligibility€for€access€to€classified€Ô_ Ôinformation.× ƒ -Ý Ê ×Ý ƒ &Ó Ýò òÚ Ú11Ú Úó óÝ Ý× Ý B ×Ô_ Ô€A€person€who€has€access€to€classified€information€enters€into€a€fiduciary€relationship€with€the€governmentÐ t t Ðbased€on€trust€and€confidence.€The€government,€therefore,€has€a€compelling€interest€to€ensure€each€applicant€possesses€the€requisite€judgement,€reliability€andÐ ` ` Ðtrustworthiness€of€one€who€will€protect€the€national€interests€as€his€or€her€own.€Ô #† X ædX X X æd =#ÔÔ ‡ X ædX X X æd ÔÐ L L ÐÑ C ïO ÑÑ C ÑÌà @ àThe€government€has€the€initial€burden€of€proving€controverted€facts€alleged€in€the€Ô_ ÔSORÔ_ Ô.€To€meet€its€burden,€the€government€must€establish€by€substantialÐ $ $ ÐÔ_ Ôevidence× ƒ /Ý < ×Ý ƒ &Ó Ýò òÚ Ú12Ú Úó óÝ Ý× Ý ´ ×Ô_ Ô€a€prima€facie€case€that€it€is€not€clearly€consistent€with€the€national€interest€for€the€applicant€to€have€access€to€classified€information.€TheÐ Ðresponsibility€then€shifts€to€the€applicant€to€refute,€extenuate€or€mitigate€the€government's€case.€Because€no€one€has€a€right€to€a€security€clearance,€the€applicantÐ ü ü Ðcarries€a€heavy€burden€of€Ô_ Ôpersuasion.× ƒ 2Ý ×Ý ƒ &Ó Ýò òÚ Ú13Ú Úó óÝ Ý× Ý ‚ ×Ô_ Ô€The€"clearly€consistent€with€the€national€interest"€standard€compels€resolution€of€any€reasonable€doubt€about€anÐ è è Ðapplicant's€suitability€for€access€to€classified€information€in€favor€of€protecting€national€Ô_ Ôsecurity.Ô #† X ædX X X æd‚@#ÔÔ ‡ X ædX X X æd Ô× ƒ 3Ý ×Ý ƒ &Ó Ýò òÚ Ú14Ú Úó óÝ Ý× Ý ×Ô #† X ædX X X ædHE#ÔÔ ‡ X ædX X X æd ÔÔ_ ÔÐ Ô Ô ÐÌÔ_ ÔÐ ¬ ¬ ÐÔ_ ÔÔ_ ÔÓ Ü<೦ÓÓ Óò òò òCONCLUSIONSó óó óÐ ÐÓ }F ÓÓ P ÓÌà @ àUnder€Guideline€F€(Financial€Considerations),€Ô #† X ædX X X ædãE#Ôa€security€concern€exists€when€a€person€has€significant€unpaid€debts.€An€individual€who€is€financiallyÐ Ø Ø Ðoverextended€Ô_ Ôis€at€risk€Ô_ ÔÔ_ ÔtoÔ_ Ô€engage€in€illegal€or€unethical€acts€to€generate€funds€to€meet€financial€obligations.Ô_ Ô× ƒ 4Ý Î! ×Ý ƒ &Ó Ýò òÚ Ú15Ú Úó óÝ Ý× Ý F" ×Ô_ Ô€Similarly,€an€individual€who€is€financiallyÐ Ä Ä Ðirresponsible€may€also€be€irresponsible,€unconcerned,€or€careless€in€his€obligation€to€protect€classified€information.€Behaving€responsibly€or€irresponsibly€in€oneÐ ° ° Ðaspect€of€life€can€often€indicate€how€a€person€may€behave€in€other€aspects€of€life.Ô ‡ X ædX X X æd ÔÐ œ œ ÐÌÔ #† X ædX X X æd"J#Ôà @ àApplicant€has€a€history€of€failing€to€meet€his€financial€obligations€dating€back€to€the€mid€1980s.€In€1986,€he€was€confronted€by€a€government€investigator€aboutÐ t t Ðhis€then€financial€problems,€and€was€made€aware€of€the€Ô_ Ôgovernmentð ðsÔ_ Ô€concerns€about€his€financial€situation.€He€acknowledged€the€problems€and€promised€toÐ ` ` Ðresolve€his€financial€situation.€In€1996,€he€filed€for€Chapter€7€bankruptcy€protection,€and€in€1997,€he€was€discharged€of€$26,849€in€accumulated€debts.€Ð L L ÐÌà @ àIn€his€2003€SF€86,€Applicant€disclosed€additional€financial€problems€compounded€by€at€least€10€checks€issued€without€sufficient€funds.€As€of€June€2005,€whenÐ $ $ Ðhe€submitted€his€response€to€the€Ô_ ÔSORÔ_ Ô,€Applicant€still€had€13€outstanding€delinquencies€(one€of€them€from€1997,€many€from€2001€to€2002)€totaling€$9,153.Ð ÐMany€of€the€debts€alleged€are€for€relatively€small€delinquencies€he€has€been€carrying€for€years.€Applicantð ðs€financial€problems€are€recent,€not€isolated,€andÐ ü ü Ðongoing.€Ô_ ÔApplicantð ðs€unwillingness€or€inability€to€honor€his€financial€obligations€is€evidenced€by€the€delinquent€debts€he€has€been€carrying€for€years,€and€hisÐ è è Ðfailure€to€make€meaningful€efforts€to€repay€creditors€or€otherwise€resolve€his€financial€situation.€Financial€Considerations€Disqualifying€Condition€(FC€DC)€1:Ð Ô Ô Ðò òA€history€of€not€meeting€financial€obligationsó ó;€and€FC€DC€3:€ò òInability€or€unwillingness€to€satisfy€debts,€ó óapply€in€this€case.€Ð À À ÐÌà @ àApplicant€raised€several€mitigating€factors€that€may€be€considered€as€circumstances€beyond€his€control€contributing€to€his€inability€to€pay€his€debts€""€i.e.,€hisÐ ˜ ˜ Ð2002€move€from€one€state€to€another€with€the€resulting€three€months€period€of€unemployment;€providing€financial€assistance€to€his€sons;€and€the€additionalÐ " " Ðexpenses€associated€with€his€move.€Financial€Considerations€Mitigating€Condition€(FC€MC)€3:€ò òThe€conditions€that€resulted€in€the€behavior€were€largelyÐ p p Ðbeyond€the€personð ðs€control€(e.g.,€loss€of€employment,€a€business€downturn, €unexpected€medical€emergency,€or€a€death,€divorce€or€separation)ó ó€applies.€Ð \ \ ÐÌà @ àNotwithstanding€the€circumstances€beyond€his€control,€Applicant€presented€little€or€no€evidence€to€show€he€has€dealt€responsibly€with€his€financial€obligations.Ð 4 4 ÐOther€than€the€1997€bankruptcy€discharge,€Applicant€presented€no€evidence€of€paid€debts,€settlements,€negotiations,€payment€plans,€budgets,€financialÐ Ðassistance/counseling,€or€that€he€has€otherwise€made€any€effort€to€resolve€his€financial€situation.€Further,€he€failed€to€present€sufficient€evidence€to€show€whyÐ Ðhis€financial€problems€will€not€be€a€concern€in€the€future.€Ð ø ø ÐÌà @ àApplicant€is€financially€overextended, €and€his€financial€situation€has€already€caused€him€to€become€overdrawn€in€his€checking€account€at€least€10€times€to€coverÐ Ð Ð Ðhis€obligations.€Applicantð ðs€financial€history€precludes€a€finding€that€he€has€established€a€track€record€of€financial€responsibility.€I€find€that€Applicant€has€notÐ ¼ ¼ Ðtaken€or€is€unable€to€take€control€his€financial€situation€and€failed€to€demonstrate€he€is€or€could€be€capable€of€overcoming€his€financial€difficulties.€Ð ¨ ¨ ÐÌò òó óÔ ‡ X ædX X X æd Ôà @ àConsidering€all€relevant€and€material€facts€and€circumstances€present€in€this€case,€including€Applicantð ðs€statements,€the€circumstances€that€caused€him€toÐ € € Ðbecome€delinquent, €the€actions€he€took€to€rectify€his€financial€situation,€the€whole€person€concept,€the€adjudicative€factors€listed€in€the€Directive,€and€theÐ l l ! Ðapplicable€disqualifying€and€mitigating€conditions,€I€find€Applicant€has€not€mitigated€the€Guideline€F€security€concern.Ô #† X ædX X X ædˆX#ÔÔ ‡ X ædX X X æd ÔÐ X X " ÐÌÌò òò òÓ ÅF ÓÓ ÓFORMAL€FINDINGSó óó óÐ " "% ÐÓ ÿZ ÓÓ W ÓÌà @ àFormal€findings€regarding€each€Ô_ ÔSORÔ_ Ô€allegation€as€required€by€Directive€Section€E3.1.25€are€as€follows:Ð ô#ô#' ÐÌà @ àParagraph€1,€Financial€Considerations€(Guideline€F)€AGAINST€APPLICANTÐ Ì%Ì%) ÐÌà @ àà @` àSubparagraphs€1.a€"€1.n€€€€Against€ApplicantÐ ¤'¤'+ ÐÔ #† X ædX X X æd³Z#ÔÓ E[ ÓÓ W ÓÔ ‡ X ædX X X æd ÔÌÌÓ ñ\ ÓÔ% ‡ ? ÔÔ% † ?2] Ôò òò òÓ ÓDECISIONó óó óÐ h*h*. ÐÓ V] ÓÓ – Ó€Ìà @ àIn€light€of€all€the€circumstances€presented€by€the€record€in€this€case,€it€is€not€clearly€consistent€with€the€national€interest€to€grant€or€continue€a€security€clearanceÐ @,@,0 Ðfor€Applicant.€Clearance€is€denied.Ð ,-,-1 ÐÌÌÌÓ •] ÓÓ ÓJuan€J.€Riveraò òó óÐ Ü0Ü05 ÐAdministrative€JudgeÐ È1È16 ÐÔ #† X ædX X X æd ]#ÔÓ ¼^ Ó