WPCb  D*^HeHкԮhxB8W_w𩋠 ƩE6+91,_4Vk }XĚl,cW)`d.^<}F^E13XI@)u:?b?ʊG<|rwՎkaDhדe /̙{'67B_jrBt :@S J:wOU^1ϩv3kvGnU/Aӟ೘<ˀR! lGf"537A:9MN\ϥi!e*jqy\Up"˅?kOmdi޸SI L-I!m"Vظ+t.߫ADH5}h4*QRaDapiOY' ub.4bui8(Fu ;(D|yNjk=͚:Dl)JZ#UN % 0: ZC w 4  ^  m Z EC C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C C BE Hewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUE;EJntFold3|xJU8DocumentManagement::ModifiedBooleanTRUE d !USUS.,  _KEYWORD:GuidelineF  DIGEST:TheJudgenotedevidencethatApplicantbelievedthathismortgageloansforthe  housewerebadforhim.However,shenotedhisstatementthathehadthemeanstoaddresshis t delinquentdebtsbutbelievesthatheisnotresponsiblefordoingso.Shestatedthatmerely ` becauseapplicantdecidedthattheloansforthehousewerenotinhisfavorhewasnotjustified L  inignoringthem.Adversedecisionaffirmed. 8  _CASENO_:1500906.a1  ` DATE:07/19/2017  8     `     h      p DATE:July19,2017   .؉7r(#(#.AY) xdEogA p InRe: k      / ApplicantforSecurityClearance W AY) xdEgA / ) p ) \ ) H ) 4 )  p )  \ ) H ) 4    ! pX p _ISCR_ԀCaseNo.1500906 4$   p% .؉7r. \XXp %    APPEALBOARDDECISION & APPEARANCES X )  &S%XX FORGOVERNMENT  0"+ JamesB.Norman,Esq.,ChiefDepartmentCounsel #X,  FORAPPLICANT  $ .  Prose #X0X%&S# % /     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On >(#2 March16,2016,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat *)z$3 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof *f%4 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision +R&5 onthewrittenrecord.OnMay25,2017,afterconsideringtherecord,DefenseOfficeofHearings +>'6 andAppeals(DOHA)AdministrativeJudgeNoreenA.LynchdeniedApplicantsrequestfora ,*(7 securityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. -)8 Ї  Applicantraisedthefollowingissueonappeal:whethertheJudgesadversedecisionwas  arbitrary,capricious,orcontrarytolaw.Consistentwiththefollowing,weaffirm.    TheJudgesFindingsofFact  `   Applicantfinancedahousethathadahighinterestrate.Whentheeconomyfaltered, 8  Applicantfoundthatheowedmoreonthehousethanitwasworth.Hetriedtogetaloan $ t modificationbutwasdenied.Upon theadviceofseveralpeopleApplicantstoppedmaking  ` payments.Decisionat2.Eventuallyhefoundabuyerforashortsale.Applicantprovidedno  L  corroborationforhisclaimthatthefirstmortgagewasresolvedthroughtheshortsale.Hiscredit  8  reportshowsthatthesecondmortgagehadbeenchargedoff.Applicantscreditreportalsoshows $  adelinquentaccountfornearly$700.Applicantclaimedthatitwasclosed.     TheJudgesAnalysis      TheJudgenotedevidencethatApplicantbelievedthathismortgageloansforthehousewere p badforhim.However,shenotedhisstatementthathehadthemeanstoaddresshisdelinquentdebts \ butbelievesthatheisnotresponsiblefordoingso.Shestatedthatmerelybecauseapplicantdecided H thattheloansforthehousewerenotinhisfavorhewasnotjustifiedinignoringthem.Applicant 4 servedinthemilitaryfrom1994to2002andhasheldaclearancesince2004.  p   Discussion  H   Applicantsbriefprovidescontextforhisfinancialdifficulties,andhearguesthatheisnot   thekindofpersonwhowouldfailtopayhisdebts.Hebelievesthathisstatementsasreflectedin   therecorddidnotputhiminasufficientlyfavorablelight.Healsocitestohismilitaryserviceand  tohishavingheldaclearanceformanyyears.Applicanthasnotrebuttedthepresumptionthatthe  Judgeconsideredalloftheevidenceintherecord,norhasheshownthattheJudgeweighedthe  evidenceinamannerthatwasarbitrary,capricious,orcontrarytolaw.See,e.g.,_ISCR_ԀCaseNo.13 l 00502at3(App.Bd.Mar.7,2017). X    TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe 0"  decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay #l! begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department $X" oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Encl.2App.A2(b): Any $D # doubtconcerningpersonnelbeingconsideredfornationalsecurityeligibilitywillberesolvedinfavor %0!$ ofthenationalsecurity.  &"% @( Order     TheDecisionis AFFIRMED .     `     h   Signed:Michael_Raanan_Ԁ <     `     h   Michael_Raanan_ ( x    `     h   AdministrativeJudge  d    `     h   Chairperson,AppealBoard  P     `     h   Signed:JamesE.Moody      `     h   JamesE.Moody      `     h   AdministrativeJudge      `     h   Member,AppealBoard t    `     h   Signed:WilliamS.Fields__ $t    `     h   WilliamS.Fields `    `     h   AdministrativeJudge L    `     h   Member,Appeal_Board___