KEYWORD: Financial DIGEST: Applicant’s real-estate foreclosures were caused by circumstances beyond his control, the 2008~2009 real-estate crisis, and an ever-increasing HELOC loan payment, coupled with a pending divorce. Applicant owes no monies as a result of these foreclosures, and has paid his state tax debt. Clearance is granted. CASE NO: 20-00789.h1 DATE: 09/09/2021