WPC4  7X`1*{ƈ /xTzwhn?CFSVQ>0E@)Uj m9K2nv U`lAujf2_Ŋc𓐭Wz 䞰!X:߀,] GIk;#`w-~,=GNX.+cWbq<z {З!iu:= q3s]II3jFk@&k{⃣F;NE?F`%#g8q`4ַ*3 %IX$y,gL2yH,+.V+-ieIm/Ib0 >$/C%.G3&6knOtֵ5&DMu51nH i 3o֠~bH+0ɐ[le[kZ#UN % 0: ZC ^ w 4   m Z NC C C NE EG 0I 0D B Hewlett-Packard HP LaserJet P3010 Series0(9 Z6Times New Roman RegularX($USUS.,8DocumentManagement::ModifiedBooleanTRUEJ;EJ!PCsg<3|xU8DocumentManagement::ModifiedBooleanTRUE(:(2x$ !USUS.,        0  (#$  0   d !USUS.,  _KEYWORD:GuidelineF  DIGEST:ApplicanthasnotrebuttedthepresumptionthattheJudgeconsideredalloftherecord  evidence.NeitherhasheshownthattheJudgeweighedtheevidenceinamannerthatwas t arbitrary,capricious,orcontrarytolaw.Adversedecisionaffirmed. ` _CASENO_:1504266.a1 8  DATE:06/02/2017  ` __________________________   `     h      p DATE:June2,2017  8  .؉7r(#(#.AY) xdEgA   InRe:        W ApplicantforSecurityClearance / AY) xdEgA W )   )   ) p ) \ ) H ) 4 )  p )  \  H pX p _ISCR_ԀCaseNo.1504266 \"  H# .؉7r. \XXp  #    APPEALBOARDDECISION  $ APPEARANCES '  &%XX FORGOVERNMENT  X ) JamesB.Norman,Esq.,ChiefDepartmentCounsel 0!*  FORAPPLICANT  "0,  Prose #XX%&# #-     TheDepartmentofDefense(DoD)declinedtograntApplicantasecurityclearance.On f&!0 January4,2016,DoDissuedastatementofreasons(_SOR_)advisingApplicantofthebasisforthat R'"1 decision!securityconcernsraisedunderGuidelineF(FinancialConsiderations)ofDepartmentof >(#2 DefenseDirective5220.6(Jan.2,1992,asamended)(Directive).Applicantrequestedadecision *)z$3 onthewrittenrecord.OnMarch7,2017,afterconsideringtherecord,DefenseOfficeofHearings *f%4 andAppeals(DOHA)AdministrativeJudgeCarolG._Ricciardello_ԀdeniedApplicantsrequestfor +R&5 asecurityclearance.ApplicantappealedpursuanttoDirectiveE3.1.28andE3.1.30. +>'6   Applicantraisedthefollowingissueonappeal:whethertheJudgeweighedtheevidencein -)8 amannerthatwasarbitrary,capricious,orcontrarytolaw.Consistentwiththefollowing,weaffirm.  _  TheJudgesFindingsofFactandAnalysis  t   Applicantisa49yearoldemployeeofaFederalcontractor.HefiledChapter7bankruptcy L  in2011,andhisdebtsweredischargedin2011.AFederaltaxlienforabout$35,000wasfiled 8  againsthimin2011.HeenteredintoanagreementwiththeInternalRevenueServicetomake $ t monthlypaymentsof$370andhavehisfuturetaxrefundsappliedtothedebt.Inhisresponseto  ` DepartmentCounselsFileofRelevantMaterial(FORM),heprovideddocumentationthathe  L  satisfiedtheFederaltaxlien.Astatetaxlienwasfiledagainsthimin2012.Heenteredintoan  8  agreementwiththestatetomakemonthlypaymentsandprovideddocumentsshowinghehas $  compliedwiththeagreementandhadoneremainingpayment.TheJudgefoundinfavorof   ApplicantontheFederalandstatetaxliensandagainsthimonthebankruptcyallegation.       Applicantattributedhisbankruptcytotworealestateinvestmentsthathewasunableto   maintainduetoadeclineinthemarket.Hestoppedmakingpaymentonthemortgagessohecould p shortsaletheproperties.Therecordcontainsnospecificinformationabouttheproperties,including \ whyhecouldnotpaythemortgages.Hedidnotprovidedspecificinformationabouthisfinances H atthattime,butindicatedthathewascurrentonallofhisaccountsandwasadvisedbyanattorney 4 toincludetheminthebankruptcy.Bankruptcyrecordsreflecthehadover$600,000ofunsecured  p nonpriorityclaims,whichincludednumerouscreditcards,aboatloan,twotimeshares,  \ unemploymentcompensation,utilities,andmanyotherdebts.Itappearsalloftheseaccountswere H discharged.Thereisinsufficientevidencetodeterminethereasonwhytheseaccountswere 4 dischargediftheywerenotdelinquentorwhyhedidnotreaffirmthem.Hefailedtoprovide   sufficientinformationtoexplainwhyhenotedonhissecurityclearanceapplicationthathis   bankruptcywasfor$183,000whendocumentsindicateamuchhigheramount.        Whilethedownturnintherealestatemarketandhisbusinesswereconditionsbeyondhis  control,Applicantdidnotprovidesufficientevidencetoconcludeheactedresponsiblyregardinghis l debts.TheJudgenotedshewasunabletoconcludethatincludingdebtsthatwerenotdelinquentin X  thebankruptcywasaresponsiblemethodofmanagingdebts.Noevidencewasprovidedregarding D! Applicantscurrentfinances,income,expenses,orbusiness.Insufficientevidencewaspresentto 0"  concludehiscurrentfinancesareundercontrol. #l!   Discussion  $D #     ApplicantsappealbriefincludesinformationthatwasnotpresentedtotheJudgefor &"% consideration.Wecannotconsidernewevidenceonappeal.DirectiveE3.1.29. '#&     ApplicantessentiallycontendsthattheJudgeerredinherapplicationofthemitigating )$( conditions.Indoingso,hearguesthebankruptcyoccurredfiveyearsago,heneverfiledbankruptcy |*%) previously,thechainofeventsthatprecipitatedthebankruptcywerebeyondhiscontrolandunlikely h+&* torecur,andheiscurrentlylivingwithinhismeans.TheJudgemadefindingaboutthesematters T,'+ anddiscussedtheminheranalysis.ApplicanthasnotrebuttedthepresumptionthattheJudge @-(, consideredalloftherecordevidence.NeitherhasheshownthattheJudgeweighedtheevidencein  amannerthatwasarbitrary,capricious,orcontrarytolaw.See,e.g.,_ISCR_ԀCaseNo.1300502at  3(App.Bd.Mar.7,2017).TheJudgecompliedwiththerequirementsoftheDirectiveinthatshe  consideredApplicantssecurityconcernsinlightoftheentiretyoftheevidence. x  t     TheJudgeexaminedtherelevantevidenceandarticulatedasatisfactoryexplanationforthe L  decision.Thedecisionissustainableonthisrecord. Thegeneralstandardisthataclearancemay 8  begrantedonlywhenclearlyconsistentwiththeinterestsofthenationalsecurity.Department $ t oftheNavyv.Egan,484U.S.518,528(1988).SeealsoDirective,Enclosure22(b): Anydoubt  ` concerningpersonnelbeingconsideredforaccesstoclassifiedinformationwillberesolvedinfavor  L  ofthenationalsecurity.  8    @( Order      TheDecisionis AFFIRMED .      `     h   Signed:WilliamS.Fields L    `     h   WilliamS.Fields 8    `     h   AdministrativeJudge $t    `     h   Member,AppealBoard `    `     h   Signed:JamesE.Moody     `     h   JamesE.Moody     `     h   AdministrativeJudge     `     h   Member,AppealBoard     `     h   Signed:JamesF._Duffy___________________________________________________Ԁ 4"     `     h   JamesF.Duffy  #p!    `     h   AdministrativeJudge  $\"    `     h   Member,Appeal_Board___