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(the record reflects some knowledge by )Tj
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(his wife about finances, there is no evidence she has ever received coun\
seling.)Tj
-15.716 -2.125 Td
(The final mitigating condition is MC 6 regarding the debtor's good-faith\
effort to repay creditors. Applicant is entitled to)Tj
T*
(some mitigation under MC 6 for )Tj
13.221 0 Td
(making regular payments to the IRS in 1996 and early 1997. However, the \
IRS)Tj
-13.221 -1.125 Td
(repayment plan was reinstated at least twice after 1997. There is no doc\
umentary )Tj
32.654 0 Td
(support reflecting regular payments to)Tj
-32.654 -1.125 Td
(the IRS or the state by Applicant for any significant period of time. In\
addition, the fact that the debt to the creditor in)Tj
T*
(1.d. )Tj
(was settled in August 2002 represents negligible, positive evidence beca\
use the delinquent debt was not paid until)Tj
T*
(after Applicant received the SOR. In sum, the )Tj
18.55 0 Td
(mitigating evidence of unemployment by Applicant and his wife, and the)Tj
-18.55 -1.125 Td
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the negative )Tj
34.421 0 Td
(evidence under 1.a., 1.b., 1.c., and)Tj
-34.421 -1.125 Td
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(4. The person has received counseling or is receiving counseling for the\
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(6. The individual has initiated a good-faith effort to repay overdue cre\
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(General Policy Factors \(Whole Person Concept\))Tj
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(Every security clearance case must also be evaluated under additional po\
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(concept. Those factors \(found at page 16 of )Tj
17.632 0 Td
(Enclosure 2 of the Directive\) include: \(1\) the nature, extent, and se\
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-17.632 -1.125 Td
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32.433 0 Td
(and recency of the conduct; \(4\) the)Tj
-32.433 -1.125 Td
(individual's age and maturity at the time of the conduct; \(5\) the volu\
ntariness of participation; \(6\) the presence or)Tj
T*
(absence of )Tj
(rehabilitation and other behavioral changes; \(7\) the motivation for th\
e conduct; and, \(8\) the potential for)Tj
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(pressure, coercion, exploitation, or duress; and \(9\) the )Tj
21.799 0 Td
(likelihood of continuation or recurrence.)Tj
/TT1 1 Tf
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(Burden of Proof)Tj
/TT0 1 Tf
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(As set forth in the Directive, every personnel security determination mu\
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(decision based upon all available )Tj
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(information, both favorable and unfavorable, and must be arrived at by a\
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-13.468 -1.125 Td
(standard that the granting \(or continuance\) of a security clearance un\
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(this Directive may only be done upon a finding)Tj
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(that to do so is clearly consistent with the national interest. In reach\
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(careful)Tj
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(consideration must be directed to the actual as well as the potential ri\
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T*
(safeguard classified information )Tj
13.134 0 Td
(in the future. The Administrative Judge can only draw those inferences o\
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-13.134 -1.125 Td
(that have a reasonable and logical basis in the evidence of record. The \
)Tj
28.266 0 Td
(Judge cannot draw inferences or conclusions)Tj
-28.266 -1.125 Td
(based on evidence which is speculative or conjectural in nature.)Tj
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(The Government must establish all the factual allegations under Guidelin\
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(doubt about a person's judgment, )Tj
13.456 0 Td
(reliability and trustworthiness. While a rational connection, or nexus, \
must be shown)Tj
-13.456 -1.125 Td
(between an applicant's adverse conduct and his ability to effectively )Tj
27.448 0 Td
(safeguard classified information, with respect to the)Tj
-27.448 -1.125 Td
(sufficiency of proof of a rational connection, objective or direct evide\
nce is not required.)Tj
0 -2.125 TD
(Then, the Applicant must remove that doubt with substantial evidence in \
refutation, explanation, mitigation or)Tj
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18.217 0 Td
(adverse conduct is unlikely to repeat itself and Applicant presently)Tj
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(An individual's financial habits are a private matter until the evidence\
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-33.381 -1.125 Td
(before Applicant filed the Chapter 7 bankruptcy in October 1996, he was \
having serious financial problems in the early)Tj
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(counseling program that recommended )Tj
15.884 0 Td
(Applicant file bankruptcy in October 1996.)Tj
-15.884 -2.125 Td
(Even though Applicant believes he completed the repayment plan before he\
married his wife in 1994, the record)Tj
T*
(provides ample justification to conclude his )Tj
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the)Tj
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(credit accounts were discharged in bankruptcy.)Tj
0 -2.125 TD
(Following Applicant's financial problems leading to formulation and repa\
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0 -1.125 TD
(plan, Applicant did not ensure the )Tj
13.802 0 Td
(appropriate taxes were taken out of his premature withdrawals from his I\
RA account,)Tj
-13.802 -1.125 Td
(and became indebted to the IRS for failing to pay federal income taxes f\
or )Tj
29.934 0 Td
(1995.)Tj
-29.934 -2.125 Td
(The third strong item of evidence under DC 1 is the bankruptcy which dis\
charged 23 credit cards totaling approximately)Tj
T*
($34,000.00. As a general rule, a )Tj
12.996 0 Td
(bankruptcy is not considered negative evidence unless it is followed by \
continued)Tj
-12.996 -1.125 Td
(financial problems. Under the circumstances in this case, Applicant cont\
inued )Tj
31.435 0 Td
(to get entangled in additional financial)Tj
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(Before filing for Chapter 7 bankruptcy in October 1996 \(1.a.\), Applica\
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(because of the seriousness of his financial )Tj
17.022 0 Td
(problems, he should file bankruptcy, which he did. \(Tr. 50\) Although h\
e was)Tj
-17.022 -1.125 Td
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enrolled in )Tj
33.377 0 Td
(individual counseling with the same)Tj
-33.377 -1.125 Td
(counseling organization before he was married in 1994. \(Tr. 53\) He had\
purchased too much on credit, and the)Tj
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(organization )Tj
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(worked out a repayment plan which he believed he had successfully comple\
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(cards. \(Tr. 66\) Applicant indicated he made all )Tj
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(payments under the repayment plan. \(Tr. 67\))Tj
-18.937 -2.125 Td
(However, Applicant's wife provided a different picture of the counseling\
program Applicant was involved in prior to)Tj
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(their marriage in 1994. His wife testified )Tj
16.551 0 Td
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( Prior to their marriage she was paying )Tj
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14.579 0 Td
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-14.579 -1.125 Td
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33.281 0 Td
(out loan of $700.00 to fix her van.)Tj
-33.281 -1.125 Td
(\(TR. 86\) They plan to furnish an offer of compromise to both the feder\
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/TT1 1 Tf
20.005 -2.125 Td
(Character evidence)Tj
/TT0 1 Tf
-20.005 -2.125 Td
(The program director for past three \275 years, has been Applicant's sec\
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T*
(Applicant is a part of a global network )Tj
15.662 0 Td
(\(according the program director\) who provides a lot of information and\
makes)Tj
-15.662 -1.125 Td
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32.533 0 Td
(level performance, the program)Tj
-32.533 -1.125 Td
(director understands why his employer receives glowing evaluation report\
s from the Government. \(Tr. 21\))Tj
0 -2.125 TD
(The senior manager who is Applicant's immediate supervisor, complimented\
Applicant's integrity and honesty.)Tj
T*
(The engineering director has known Applicant since 1997, and believes he\
is a reliable employee. According to the)Tj
0 -1.125 TD
(engineering director, Applicant provided a )Tj
17.271 0 Td
(valuable contribution in keeping communication mediums open during a war\
)Tj
-17.271 -1.125 Td
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( of the decision in )Tj
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(circumstances, it should not be assumed that the factors exhaust the ent\
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(apply equally in every case. In addition, )Tj
16.245 0 Td
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-16.245 -1.125 Td
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(Financial Considerations)Tj
/TT0 1 Tf
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(DISQUALIFYING CONDITIONS:)Tj
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(1. A history of not meeting financial obligations;)Tj
T*
(3. Inability or unwillingness to satisfy debts.)Tj
T*
(MITIGATING CONDITIONS:)Tj
T*
(1. The behavior was not recent;)Tj
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(3. The conditions that resulted in the behavior were largely beyond the \
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15.69 0 Td
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17.582 0 Td
(Applicant is sixty-three years old and has worked for his present employ\
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-17.582 -1.125 Td
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0 -2.125 TD
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0 -1.125 TD
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-16.636 -2.125 Td
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19.245 0 Td
(and September 1994, Applicant established an IRA with a private bank.)Tj
-19.245 -1.125 Td
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34.062 0 Td
(February 1995, Applicant and his)Tj
-34.062 -1.125 Td
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0 -2.125 TD
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( \(Tr. 37-40; 88\) However, the )Tj
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-32.35 -1.125 Td
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0 -2.125 TD
(Applicant's wife set up their first repayment plan with IRS in 1996 \(Tr\
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0 -1.375 TD
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0 -2.125 TD
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0 -1.125 TD
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0 -2.125 TD
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0 -1.125 TD
(October 1998. \(Tr. 59; AE F\) Finally, )Tj
15.331 0 Td
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(September 28, 2002.)Tj
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T*
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0 -1.125 TD
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(also recalled the IRS applied all tax returns towards satisfaction of th\
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T*
(In addition, although she provided no documentation, Applicant's wife )Tj
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(Applicant owes the state $2,631.51 \(1.c.\) for state income tax for the\
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T*
(problems were also caused by the bank not )Tj
17.439 0 Td
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-17.439 -1.125 Td
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0 -2.125 TD
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0 -1.125 TD
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14.996 0 Td
(Applicant in August 2002. \(Tr. 45; AE J\))Tj
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