KEYWORD: Guideline F DIGEST: Given the record, the Judge’s conclusion that Applicant had not resolved the concerns arising from his delinquent debts was reasonable. Evidence that a creditor is no longer seeking enforcement of a debt and has written it off, does not establish that the debt has been resolved in a way that mitigates security concerns arising from it. Adverse decision affirmed. CASENO: 14-03732.a1 DATE: 12/21/2015