%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-06-24T11:13:43-04:00 2021-06-24T11:13:43-04:00 2021-06-24T11:13:43-04:00 Adobe Acrobat 17.0 application/pdf 02-28854.h1 uuid:16689dbb-fed0-48be-90b6-57b86d789a39 uuid:48200381-41a7-410e-8826-7abfaad8a1be Acrobat Web Capture 15.0 endstream endobj 5 0 obj <> endobj 6 0 obj <> endobj 3 0 obj <> endobj 7 0 obj <> endobj 8 0 obj <> endobj 16 0 obj <>>> endobj 17 0 obj <> endobj 18 0 obj <> endobj 20 0 obj [19 0 R 19 0 R] endobj 21 0 obj [19 0 R 19 0 R] endobj 22 0 obj [19 0 R 19 0 R] endobj 23 0 obj [19 0 R 19 0 R] endobj 19 0 obj <><><><><><>]/P 17 0 R/Pg 12 0 R/S/Article>> endobj 12 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 24 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-28854.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-28854.h1.html)Tj 49.129 0 Td ([6/24/2021 11:13:43 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.604 g q 1 0 0 1 16.0002 734.2497 cm 0 0 m 0.75 -0.75 l 579 -0.75 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 733.5 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 732.7503 cm 0 0 m 0.75 0.75 l 0 1.499 l h f Q 0.933 g q 1 0 0 1 594.9999 733.5 cm 0 0 m 0.75 -0.75 l 0.75 0.75 l h f Q 0.604 g q 1 0 0 1 16.0002 624.7503 cm 0 0 m 0.75 -0.751 l 579 -0.751 l 579.749 0 l h f Q 0.933 g q 1 0 0 1 16.7499 623.9997 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.604 g q 1 0 0 1 16.0002 623.25 cm 0 0 m 0.75 0.75 l 0 1.5 l h f Q 0.933 g q 1 0 0 1 594.9999 623.9997 cm 0 0 m 0.75 -0.75 l 0.75 0.751 l h f Q /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 749.25 Tm (DATE: )Tj (October 6, 2005)Tj 0 -2.75 TD (In Re:)Tj 0 -2.125 TD (---------------------)Tj T* (SSN: -----------)Tj T* (Applicant for Security Clearance)Tj 0 -3.25 TD (ISCR Case No. 02-28854)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 5.89 -2.125 Td (PAUL J. MASON)Tj 0.125 -2.125 Td (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 261.2061 523.5 cm 0 0 m 89.338 0 l h S Q BT 11.25 0 0 11.25 251.0312 499.5 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -3.304 -2.2 Td (Nichole Noel, Esq., Department Counsel)Tj /TT1 1 Tf 4.082 -2.2 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.722 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 399.75 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 399 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 374.25 Tm (Given the lack of believability of Applicant's explanations for initiall\ y incurring the financial difficulties, the 12-month)Tj 0 -1.125 TD (period since his Chapter 7 discharge of )Tj 15.856 0 Td (almost $24,000.00 in March 2004 represents insufficient time by itself t\ o justify)Tj -15.856 -1.125 Td (an affirmative finding that Applicant has made the necessary changes in \ his )Tj 30.49 0 Td (financial habits to warrant a security)Tj -30.49 -1.125 Td (clearance. Clearance is denied.)Tj /TT1 1 Tf 18.739 -2.125 Td (STATEMENT OF CASE)Tj ET q 1 0 0 1 240.8623 307.5 cm 0 0 m 130.025 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 282.75 Tm (On July 13, 2004, the Defense Office of Hearings and Appeals \(DOHA\), p\ ursuant to Department of Defense Directive)Tj T* (5220.6, dated January 2, 1992, as )Tj 13.608 0 Td (reissued through Change 4 thereto, dated April 20, 1999, issued a Statem\ ent of)Tj -13.608 -1.125 Td (Reasons \(SOR\) to the Applicant which detailed reasons why DOHA could n\ ot )Tj 31.605 0 Td (make the preliminary affirmative finding)Tj -31.605 -1.125 Td (under the Directive that it is clearly consistent with the national inte\ rest to grant or continue a security clearance for)Tj T* (Applicant. DOHA recommended referral to an Administrative Judge to condu\ ct proceedings and determine whether)Tj T* (clearance should be granted, continued, )Tj 16.077 0 Td (denied or revoked. On September 7, 2004, Applicant responded to the SOR \ and)Tj -16.077 -1.125 Td (requested a hearing before an Administrative Judge.)Tj 0 -2.125 TD (The case was assigned to me on January 3, 2005. On March 2, 2005, this c\ ase was set for hearing on March 24, 2005.)Tj 0 -1.125 TD (The Government submitted seven )Tj 13.774 0 Td (exhibits and Applicant submitted one exhibit. Testimony was taken from A\ pplicant.)Tj -13.774 -1.125 Td (The transcript \(Tr.\) was received on April 4, 2005.)Tj /TT1 1 Tf 17.711 -2.125 Td (RULINGS ON PROCEDURE)Tj /TT0 1 Tf -17.711 -2.125 Td (At the hearing before opening statements, the government moved to amend \ the SOR by adding the following allegation)Tj T* (\(1.f.\):)Tj 0 -2.125 TD (On or about November 24, 2003, you filed a voluntary petition for Chapte\ r 7 bankruptcy in the United States)Tj 0 -1.125 TD (Bankruptcy Court for the Western District of )Tj 18.245 0 Td (Louisiana, Alexandria Division. 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#tQOE/OBcy dۊc/p;2nS1==!<#zB҇r1k Y_,ZwMDļkP4[]q=n[hw1ͻ )Ms\25wӍ͈TLD#g"sGs-s.\NS)12,>;U )av-EWxCNz|F!A xvwXݳ>۷sʊrKYU*ҩXJV)*IeV9xgYTMN/Y<`m%ߣr x5,WM1~r71S˷75=E> ,s./=G4(w-wUZ lٚ5]AX'ݐU |.K$/`DJQet8S4{g~\ O12)v D[>Y`# endstream endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 39 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-28854.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-28854.h1.html)Tj 49.129 0 Td ([6/24/2021 11:13:43 AM])Tj EMC ET 1 g 10 40.5 591.75 725.25 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 747 Tm (FC MC E2.A6.1.3.3. \()Tj /TT1 1 Tf (the conditions that resulted in the behavior were largely beyond the per\ son's control)Tj /TT0 1 Tf 42.765 0 Td (\) does not)Tj -42.765 -1.125 Td (apply even though a divorce was )Tj 13.385 0 Td (involved. I conclude Applicant knew during the divorce proceedings in Ju\ ly 1999)Tj -13.385 -1.125 Td (when he did not pay the extra $1,500.00 that the listed debts were not )Tj 28.049 0 Td (included in the divorce documents. Hence, there)Tj -28.049 -1.125 Td (were no unforeseen events that hindered Applicant from taking action on \ debts before November 2003 when )Tj 43.764 0 Td (he filed)Tj -43.764 -1.125 Td (bankruptcy.)Tj 0 -2.125 TD (Because there is no evidence of financial counseling, I am unable to app\ ly FC MC E2.A6.1.3.4. \()Tj /TT1 1 Tf 38.879 0 Td (the person has)Tj -38.879 -1.125 Td (received or is receiving counseling for the )Tj 17.134 0 Td (problem and there are clear indications that the problem is being resolv\ ed or)Tj -17.134 -1.125 Td (is under control)Tj /TT0 1 Tf (\) even though there is some evidence of Applicant's financial )Tj 31.061 0 Td (difficulties being resolved. The above MC)Tj -31.061 -1.125 Td (requires sufficient evidence on both elements of the condition. Applican\ t's Chapter 7 discharge of his debts in March)Tj 0 -1.125 TD (2004 provides very little insight into whether he has the financial skil\ ls to maintain control over his financial practices to)Tj T* (prevent instances of future )Tj 10.885 0 Td (irresponsibility.)Tj -10.885 -2.125 Td (FC MC E2.A6.1.3.6. \()Tj /TT1 1 Tf (the individual initiated a good-faith effort to repay overdue creditors \ or otherwise resolve debts)Tj /TT0 1 Tf 47.301 0 Td (\))Tj -47.301 -1.125 Td (refers to a sincere attempt to repay past )Tj 15.938 0 Td (due debts under the bankruptcy laws, or a private debt consolidation pla\ n, or via)Tj -15.938 -1.125 Td (direct repayment efforts. Though Applicant claimed he would address his \ debts )Tj 32.046 0 Td (as early as the end of July 2002, he did)Tj -32.046 -1.125 Td (not. While he claims he tried to negotiate a settlement or repayment pla\ n with the creditors in the fall of 2003, he)Tj T* (furnished no documentary support. In sum, there is no documented evidenc\ e demonstrating a good-faith effort to repay)Tj T* (creditors.)Tj 0 -2.125 TD (Applicant's resolution of his past due debts through a Chapter 7 bankrup\ tcy in March 2004 entitles Applicant to a fresh)Tj 0 -1.125 TD (start with his financial affairs. However, resolving delinquent debts un\ der Chapter 7 does not carry the same mitigating)Tj T* (weight as a sustained track record of financial responsibility \(followi\ ng the discharge\) that could justify an affirmative)Tj T* (finding that Applicant has favorably changed his financial habits. Appli\ cant's character evidence weighs in his favor but)Tj T* (provides negligible insight into why he waited so long to resolve his in\ debtedness. Applicant's suspect credibility and)Tj T* (lack of evidence of improved financial habits defeats his case in mitiga\ tion under the FC guideline and the general)Tj T* (factors of the whole person concept.)Tj /TT2 1 Tf 19.364 -2.125 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 374.25 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 349.5 Tm (Formal Findings required by Paragraph 25 of Enclosure 3 are:)Tj 0 -2.125 TD (Paragraph 1 \(Financial Considerations, Guideline F\): AGAINST THE APPLI\ CANT.)Tj T* (subparagraph a: Against the Applicant.)Tj T* (subparagraph b: Against the Applicant.)Tj T* (subparagraph c: Against the Applicant.)Tj T* (subparagraph d: Against the Applicant.)Tj T* (subparagraph e: Against the Applicant.)Tj T* (subparagraph f: Against the Applicant.)Tj /TT2 1 Tf 21.683 -2.125 Td (DECISION)Tj ET q 1 0 0 1 276.2002 144.75 cm 0 0 m 59.35 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 120 Tm (In light of all the circumstances presented by the record in this case, \ it is not clearly consistent with the national interest)Tj 0 -1.125 TD (to grant or continue a security clearance )Tj 16.242 0 Td (for Applicant.)Tj 5.094 -2.125 Td (Paul J. 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A fellow member from a)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (veteran's organization considers Applicant a )Tj 17.924 0 Td (good recruiter. A friend who practices law believes Applicant is a)Tj -17.924 -1.125 Td (dependable and responsible person. A deputy in Applicant's department ha\ s found Applicant )Tj 37.31 0 Td (to be indispensable to the)Tj -37.31 -1.125 Td (overall preparation of soldiers for conflict. The division chief has obs\ erved enough of Applicant's work product to)Tj 0 -1.125 TD (conclude he )Tj 5.053 0 Td (deserves a promotion. Applicant received a certificate and two awards fo\ r first-class job performance.)Tj -5.053 -2.125 Td (Having weighed the entire record, I am not persuaded that Applicant beli\ eved in good-faith that the divorce decree)Tj T* (contained the requisite language requiring )Tj 17.077 0 Td (his former wife to pay the SOR debts. Relying only on a verbal agreement\ )Tj -17.077 -1.125 Td (concerning such a substantial sum of liability, the reasonable person wo\ uld have )Tj 32.408 0 Td (made every effort to formalize this oral)Tj -32.408 -1.125 Td (agreement into the divorce documents to achieve some repose in his futur\ e financial affairs. Yet, Applicant supposedly)Tj T* (did not read the divorce papers thinking his wife's liability had been i\ ncluded in the papers. On the contrary, I believe)Tj T* (Applicant knew when he did not pay the )Tj 16.44 0 Td ($1,500.00, then signed the divorce documents that his former wife's liab\ ility)Tj -16.44 -1.125 Td (for the SOR debts was not be included in the divorce paperwork.)Tj /TT1 1 Tf 21.767 -2.125 Td (POLICIES)Tj ET 0.75 w q 1 0 0 1 277.1992 568.5 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 543.75 Tm (Enclosure 2 of the Directive sets forth guidelines containing disqualify\ ing conditions \(DC\) and mitigating conditions)Tj T* (\(MC\) that should be given binding )Tj 14.11 0 Td (consideration in making security clearance determinations. These conditi\ ons must be)Tj -14.11 -1.125 Td (considered in every case along with the general factors of the whole )Tj 27.434 0 Td (person concept. However, the conditions are not)Tj -27.434 -1.125 Td (automatically determinative of the decision in any case nor can they sup\ ersede the Administrative Judge's )Tj 42.528 0 Td (reliance on)Tj -42.528 -1.125 Td (his own common sense.)Tj /TT1 1 Tf 20.684 -2.125 Td (Burden of Proof)Tj /TT0 1 Tf -20.684 -2.125 Td (Initially, the government must establish, by substantial evidence, that \ conditions exist in the personal or professional)Tj T* (history of the applicant which disqualifies, )Tj 17.302 0 Td (or may disqualify, the applicant from being eligible for access to class\ ified)Tj -17.302 -1.125 Td (information. )Tj /TT2 1 Tf 5.221 0 Td (See Egan)Tj /TT0 1 Tf 3.749 0 Td (, 484 U.S. at 531 "[T]he Directive presumes there is a nexus )Tj 24.318 0 Td (or rational connection between)Tj -33.288 -1.125 Td (proven conduct under any of the Criteria listed therein and an applicant\ 's security suitability." ISCR Case No. 95-0611)Tj T* (at 2 )Tj (\(App. Bd. May 2, 1996\) \(quoting DISCR Case No. 92-1106 \(App. Bd. Oct\ . 7, 1993\)\).)Tj 0 -2.125 TD (Once the government establishes a disqualifying condition by substantial\ evidence, the burden shifts to the applicant to)Tj 0 -1.125 TD (rebut, explain, extenuate, or mitigate the )Tj 16.411 0 Td (facts. "[S]ecurity clearance determinations should err, if they must, on\ the side)Tj -16.411 -1.125 Td (of denials." )Tj /TT2 1 Tf (Egan)Tj /TT0 1 Tf (, 481U.S. at 531; )Tj /TT2 1 Tf (see)Tj /TT0 1 Tf ( Directive E2.2.2.)Tj /TT1 1 Tf 18.808 -2.125 Td (Financial Considerations)Tj /TT0 1 Tf -18.808 -2.125 Td (The security concern of this guideline is that delinquent debts can indu\ ce or pressure a person to violate the law or)Tj T* (security regulations.)Tj /TT1 1 Tf 20.489 -2.125 Td (CONCLUSIONS)Tj ET q 1 0 0 1 261.8652 241.5 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 216.75 Tm (Applicant's four overdue debts totaling almost $24,000.00, which have be\ en delinquent since 1999, raise security)Tj T* (concerns under financial considerations \(FC\) )Tj 18.244 0 Td (disqualifying condition \(DC\) E2.A6.1.2.1. \()Tj /TT2 1 Tf 17.526 0 Td (a history of not meeting)Tj -35.77 -1.125 Td (financial obligations)Tj /TT0 1 Tf 8.306 0 Td (\). His misleading statements about the debts being his wife's )Tj 24.371 0 Td (responsibility, and his failure to act on)Tj -32.676 -1.125 Td (the debts until November 2003 when he said he was going to act by the en\ d of July 2002, justify the application of FC)Tj T* (DC E2.A6.1.2.3. \()Tj /TT2 1 Tf (inability or unwillingness to satisfy debts)Tj /TT0 1 Tf 23.722 0 Td (\) to the circumstances of this case.)Tj -23.722 -2.125 Td (There are potentially five mitigating conditions \(MC\) under FC that ma\ y apply in this case. FC MC E2.A6.1.3.1. \()Tj /TT2 1 Tf 45.715 0 Td (the)Tj -45.715 -1.125 Td (behavior was not recent)Tj /TT0 1 Tf 9.637 0 Td (\) applies to those )Tj 7.054 0 Td (circumstances demonstrating that the underlying behavior leading to the)Tj -16.691 -1.125 Td (indebtedness was not recent. FC MC E2.A6.1.3.2. \()Tj /TT2 1 Tf 20.636 0 Td (it was an isolated incident)Tj /TT0 1 Tf 10.5 0 Td (\) may )Tj (apply when the underlying behavior)Tj -31.136 -1.125 Td (results in only a few debts becoming delinquent. Neither of the above tw\ o mitigating conditions has much probative)Tj T* (value )Tj 2.416 0 Td (under the circumstances of this case. While the debts became delinquent \ about six years ago, Applicant's failure to)Tj -2.416 -1.125 Td (pay them until he filed his Chapter 7 )Tj 14.886 0 Td (bankruptcy in November 2003 constitutes a continuing course of adverse c\ onduct)Tj -14.886 -1.125 Td (that affords Applicant no mitigation under either FC MC E2.A6.1.3.1. or \ FC )Tj 30.857 0 Td (C E2.A6.1.3.2. )Tj /TT2 1 Tf (See)Tj /TT0 1 Tf ( ISCR Case No. 01-)Tj -30.857 -1.125 Td (3695 \(App. Bd. Oct. 16, 2002\))Tj ET EMC endstream endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 45 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (02-28854.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (omputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archive\ d%20-%20HTML/02-28854.h1.html)Tj 49.129 0 Td ([6/24/2021 11:13:43 AM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 755.25 Tm (approximately$63,900.00. Your list of liabilities totaled approximately \ $95,841.00. On or about )Tj 38.632 0 Td (arch 24, 2004, your)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (dischargeable debts were discharged. \(Tr. 9\).)Tj 0 -2.125 TD (Applicant indicated he had no objection. Pursuant to E3.1.17. of the Dir\ ective, the motion was granted.)Tj /TT1 1 Tf 19.406 -2.125 Td (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 248.8721 690 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 665.25 Tm (The SOR alleges under the financial considerations \(FC\) guideline that\ Applicant is legally responsible for four past due)Tj 0 -1.125 TD (debts. Applicant admitted accounts )Tj 14.302 0 Td (described in subparagraphs 1.a. and 1.b. He claimed subparagraph 1.c. wa\ s the same)Tj -14.302 -1.125 Td (debt as subparagraph 1.b. He denied subparagraph 1.d. claiming it was no\ t )Tj 30.047 0 Td (his debt. In disputing subparagraph 1.e.,)Tj -30.047 -1.125 Td (Applicant noted his financial problems were resolved through a Chapter 7\ discharge in bankruptcy in March 2004.)Tj T* (Applicant is 46 years old and employed as a lead analyst by a defense co\ ntractor. He seeks a secret security clearance.)Tj 0 -2.125 TD (All four delinquent debts in the SOR are credit card accounts that becam\ e delinquent between 1998 and late 1999, and)Tj 0 -1.125 TD (were turned over to collection agencies. )Tj 16.187 0 Td (According to a May 2002 credit bureau report \(CBR, GE 4\), Applicant wa\ s the)Tj -16.187 -1.125 Td (primary account holder for the four accounts. \(Tr. 33.\) The total amou\ nt of the )Tj 31.628 0 Td (delinquent debt incurred on the four)Tj -31.628 -1.125 Td (accounts as of September 2003 was $23,769.00.)Tj 0 -2.125 TD (The origin of Applicant's financial difficulties is not apparent in the \ record. However, those problems triggered marital)Tj 0 -1.125 TD (problems that became so difficult in )Tj 14.663 0 Td (1996 and early 1997 that he and his wife separated in 1997. Applicant fi\ led for)Tj -14.663 -1.125 Td (divorce in July 1997. During bitter divorce proceedings, Applicant claim\ ed his )Tj 31.742 0 Td (wife promised to pay the accounts)Tj -31.742 -1.125 Td (identified in subparagraphs 1.a., 1.b., and 1.c. \(Tr. 51\), but the pur\ ported promise was never memorialized in the divorce)Tj T* (documents filed in July 1999. \(GE 5.\))Tj 0 -2.125 TD (From 1999 until he provided his sworn statement in July 2002, Applicant \ contended he thought his former wife had)Tj 0 -1.125 TD (been paying the creditors pursuant to the )Tj 16.523 0 Td (liability settlement that was in the divorce decree. \(GE 2; Tr. 21-22.\)\ Further,)Tj -16.523 -1.125 Td (he testified the listed creditors never contacted him during the period.\ He stated in )Tj 33.073 0 Td (the sworn statement he would begin)Tj -33.073 -1.125 Td (repayment of the debts by July 31, 2002, if his investigation revealed h\ e still owed the debts. While he claimed he)Tj T* (launched )Tj 3.859 0 Td (an investigation in the fall of 2003, he provided no documentation to pr\ ove he took any action.)Tj -3.859 -2.125 Td (Applicant repeatedly stated in his answer and at the hearing that the su\ bparagraph 1.d. debt was not his responsibility)Tj T* (because he never owned a credit card )Tj 15.186 0 Td (machine or credit dispensing device. Even though he knew the procedure f\ or)Tj -15.186 -1.125 Td (officially disputing debts with the credit agencies \(Tr. 36\), he disch\ arged the 1.d. )Tj 32.574 0 Td (debt in his November 2003 bankruptcy)Tj -32.574 -1.125 Td (anyway. \(Tr. 35.\) Applicant's Personal Financial Statement \(PFS\) of \ July 1, 2002 \(subparagraph 1.e.\), shows that after)Tj T* (payment of monthly expenses, Applicant had a monthly net remainder of $9\ 60.00.)Tj 0 -2.125 TD (At the hearing, Applicant provided additional information about the debt\ s he thought belonged to his wife. First, he)Tj 0 -1.125 TD (recalled that he never examined the )Tj 14.437 0 Td (contents of the divorce decree before he signed the document in July 199\ 9 because)Tj -14.437 -1.125 Td (he thought the SOR debt liability was included in the decree. \(Tr. 22\)\ )Tj 27.965 0 Td (However, later in his testimony, he stated he was)Tj -27.965 -1.125 Td (so angry over the length of the divorce action and his attorney's reques\ t for $1,500.00 \(that Applicant did not )Tj 43.752 0 Td (pay\) to)Tj -43.752 -1.125 Td (defend against an increase in child support \(Tr. 23; 50\) that he signe\ d the divorce decree without reading it. He stated, "I)Tj T* (was mad. I said, fine. Fine. Just )Tj 12.859 0 Td (- let's get it over with. I did not - that's why in the SOR I admit to t\ he debts, because I)Tj -12.859 -1.125 Td (did - I failed to go back and look. I failed to read it. I feel it is my\ fault." )Tj 29.094 0 Td (\(Tr. 50.\))Tj -29.094 -2.125 Td (Applicant contends he filed a Chapter 7 bankruptcy petition in November \ 2003 after he was unable to negotiate any)Tj T* (kind of payment plan with the creditors. He )Tj 17.69 0 Td (included all the SOR debts and all his other debts that were not delinqu\ ent.)Tj -17.69 -1.125 Td (Based on his belief that if he lost his security clearance, he would los\ e his job, )Tj 31.492 0 Td (Applicant did not want to be in a position)Tj -31.492 -1.125 Td (where he still had delinquent bills if he lost his security clearance. \(\ Tr. 40.\) In March 2004, Applicant was discharged)Tj T* (from approximately $35,841.00 in delinquent debt owed to 13 creditors, i\ ncluding the four debts identified in the SOR.)Tj T* (As noted earlier in this paragraph, the )Tj 15.328 0 Td (monetary difference between the SOR debt-total and the amount actually)Tj -15.328 -1.125 Td (discharged is due to Applicant including all debts in his bankruptcy.)Tj 0 -2.125 TD (Since his discharge in March 2004, Applicant testified he is current on \ all his bills, including his mortgage. His child)Tj 0 -1.125 TD (support is also current. 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