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Q!~5c@@:N'oCACj/\m ]Ԫ bPۀASo'.D {WālF!v@L1h3:i*&Ij6fT1'?1:9QI\"H873Jj"WL.$a",=EeߦRsb 7T;ϤSòeeb-z^K!A|f9]>ߒQvFZ33 $=}ĕc,'$[vrZR d}O.q>N(\l' IIQ$Tdqm%1)֍p>#/ 淶WqpH#CFF_lA_ڬ endstream endobj 19 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 6/Type/Page>> endobj 49 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 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 (To conclude, Applicant has failed to meet his ultimate burden of persuas\ ion to obtain a favorable clearance decision. In)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (reaching my decision, I have considered)Tj /Span<>> BDC ( )Tj EMC 16.355 0 Td (the record evidence as a whole, the whole-person concept, the clearly-)Tj -16.355 -1.125 Td (consistent standard, and the appropriate factors and guidelines in the D\ irective.)Tj /TT1 1 Tf 19.364 -7.625 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 636 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 572.25 Tm (The following are my conclusions as to each allegation in the SOR:)Tj 0 -5.375 TD (SOR \266 1-Guideline F: )Tj (Against the Applicant)Tj T* (Subparagraphs a - l: )Tj 8.275 0 Td (Against the Applicant)Tj /TT1 1 Tf 13.408 -7.625 Td (DECISION)Tj /TT0 1 Tf -21.683 -5.375 Td (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 /Span<>> BDC ( )Tj EMC 16.242 0 Td (for Applicant. Clearance is denied.)Tj 3.874 -9.875 Td (Michael H. Leonard)Tj -0.251 -2.125 Td (Administrative Judge)Tj -19.865 -2.125 Td (1. )Tj (This action was taken under Executive Order 10865, dated February 20, 19\ 60, as amended, and DoD Directive)Tj T* (5220.6, dated January 2, 1992, as amended)Tj /Span<>> BDC ( )Tj EMC 17.468 0 Td (and modified \(Directive\).)Tj -17.468 -2.125 Td (2. )Tj (ISCR Case No. 96-0277 \(July 11, 1997\) at p. 2.)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 39.75 Tm (3. )Tj (ISCR Case No. 02-18663 \(March 23, 2004\) at p. 5.)Tj ET EMC Q endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 50 0 obj [52 0 R 53 0 R 54 0 R 55 0 R 56 0 R 57 0 R] endobj 51 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 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 16 756 Tm (meets its burden, an applicant has the burden of presenting evidence of \ refutation, extenuation, or)Tj /Span<>> BDC ( )Tj EMC 39.265 0 Td (mitigation sufficient)Tj ET Q BT 0 g 12 0 0 12 16 739.5 Tm (to overcome the case against him.)Tj 0 0 1 rg 9.75 0 0 9.75 178.6094 744 Tm ( \(8\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 178.6094 743.25 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 192.4155 739.5 Tm ( In addition, an applicant has the ultimate burden of persuasion to obta\ in a)Tj -14.701 -1.375 Td (favorable clearance decision.)Tj 0 0 1 rg 9.75 0 0 9.75 155.582 727.5 Tm ( \(9\))Tj ET q 1 0 0 1 155.582 726.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 658.5 Tm (As noted by the Court in )Tj /TT1 1 Tf 10.11 0 Td (Egan)Tj /TT0 1 Tf (, "it should be obvious that no one has a 'right' to a security clearanc\ e," and "the clearly)Tj -10.11 -1.375 Td (consistent standard indicates that security clearance determinations sho\ uld err, if they must, on the side of denials.")Tj 0 0 1 rg 9.75 0 0 9.75 568.4043 646.5 Tm ( \(10\))Tj ET q 1 0 0 1 568.4043 645.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 628.5 Tm (Under )Tj /TT1 1 Tf (Egan, )Tj /TT0 1 Tf (Executive Order 10865, and the Directive, any doubt about)Tj /Span<>> BDC ( )Tj EMC 29.269 0 Td (whether an applicant should be allowed access)Tj -29.269 -1.125 Td (to classified information will be resolved in favor of protecting nation\ al security.)Tj /TT2 1 Tf 20.489 -7.625 Td (CONCLUSIONS)Tj /TT0 1 Tf -20.489 -5.375 Td (Under Guideline F, a security concern typically exists for two different\ types of situations--significant unpaid debts and)Tj 0 -1.125 TD (unexplained affluence; this case)Tj /Span<>> BDC ( )Tj EMC 13.05 0 Td (involves the former. An individual who is financially overextended is at\ risk of having)Tj -13.05 -1.125 Td (to engage in illegal or unethical acts to generate funds to meet financi\ al)Tj /Span<>> BDC ( )Tj EMC 28.794 0 Td (obligations. Similarly, an individual who is)Tj -28.794 -1.125 Td (financially irresponsible may also be irresponsible, unconcerned, neglig\ ent, or careless in properly handling and)Tj T* (safeguarding classified information.)Tj 0 -5.375 TD (Here, based on the record evidence as a whole, the government establishe\ d its case under Guideline F. The Chapter 7)Tj 0 -1.125 TD (bankruptcy case, the delinquent debts, and)Tj /Span<>> BDC ( )Tj EMC 17.217 0 Td (the foreclosure demonstrate a history of not meeting financial obligatio\ ns as)Tj -17.217 -1.375 Td (well as inability to pay one's just debts.)Tj 0 0 1 rg 9.75 0 0 9.75 204.1387 315 Tm ( \(11\))Tj ET q 1 0 0 1 204.1387 314.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 222.8198 310.5 Tm ( The same facts and circumstances)Tj /Span<>> BDC ( )Tj EMC 14.105 0 Td (demonstrate financial irresponsibility.)Tj -31.34 -5.375 Td (I have reviewed the mitigating conditions under the guideline and conclu\ de Applicant receives some credit in)Tj T* (mitigation. I am persuaded Applicant's financial problems would not be s\ o severe but for his troubled marriage, which is)Tj 0 -1.375 TD (yet to be resolved. Accordingly, MC 3)Tj 0 0 1 rg 9.75 0 0 9.75 200.6289 220.5 Tm ( \(12\))Tj ET q 1 0 0 1 200.6289 219.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 219.3101 216 Tm ( applies in his favor. And Applicant has taken)Tj /Span<>> BDC ( )Tj EMC 18.551 0 Td (the initial steps toward making)Tj -35.494 -1.125 Td (a good-faith effort to pay or otherwise)Tj 0 -2.375 TD (resolve his indebtedness by enrolling in the debt settlement program.)Tj 0 0 1 rg 9.75 0 0 9.75 346.5918 178.5 Tm ( \(13\))Tj ET q 1 0 0 1 346.5918 177.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 365.2729 174 Tm ( That credit is limited, however, as there is no)Tj -29.106 -1.125 Td (documentary proof that any of the debts)Tj /Span<>> BDC ( )Tj EMC 16.245 0 Td (have been resolved via the program.)Tj -16.245 -2.125 Td (Despite these matters in mitigation, Applicant's financial problems are \ long standing and ongoing. Indeed, it appears he)Tj 0 -1.125 TD (is in a deep financial hole with limited)Tj /Span<>> BDC ( )Tj EMC 15.607 0 Td (ability, short of another Chapter 7 bankruptcy case, to resolve his deli\ nquent)Tj -15.607 -1.125 Td (debts. Until he establishes a long-term track record of good debt manage\ ment, it is)Tj /Span<>> BDC ( )Tj EMC 33.269 0 Td (simply too soon to tell if he has)Tj -33.269 -1.125 Td (established a financially responsible lifestyle. Accordingly, Guideline \ F is decided against Applicant.)Tj ET EMC endstream endobj 52 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[178.0 741.0 192.0 752.0]/Subtype/Link/Type/Annot>> endobj 53 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[156.0 725.0 170.0 736.0]/Subtype/Link/Type/Annot>> endobj 54 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[568.0 644.0 586.0 655.0]/Subtype/Link/Type/Annot>> endobj 55 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[204.0 312.0 222.0 323.0]/Subtype/Link/Type/Annot>> endobj 56 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[201.0 218.0 219.0 229.0]/Subtype/Link/Type/Annot>> endobj 57 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[346.0 176.0 364.0 187.0]/Subtype/Link/Type/Annot>> endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 58 0 obj [60 0 R 61 0 R 62 0 R 63 0 R 64 0 R 65 0 R] endobj 59 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 725.25 Tm (Applicant suffers from certain medical conditions requiring prescription\ drugs. As a result, he has incurred out-of-)Tj 0 -1.125 TD (pocket costs for medical treatments and drugs)Tj /Span<>> BDC ( )Tj EMC 18.578 0 Td (that his health insurance does not cover.)Tj -18.578 -5.375 Td (In an effort to resolve his delinquent indebtedness, Applicant retained \ the services of a company that provides a debt)Tj T* (settlement program to its customers.)Tj /Span<>> BDC ( )Tj EMC 14.775 0 Td (Applicant enrolled in the program in 2004, after receiving the SOR, and \ has made)Tj -14.775 -1.125 Td (monthly payments of $210.00 to the company \(he is also charged a monthl\ y)Tj /Span<>> BDC ( )Tj EMC 30.661 0 Td (fee of $50.00 for this service\). Although)Tj -30.661 -1.125 Td (Applicant has made several monthly payments to this company, he has not \ presented documentary proof that any of the)Tj T* (delinquent debts have been paid, settled, or otherwise resolved through \ this program.)Tj 0 -5.375 TD (Applicant presented favorable character evidence through the testimony o\ f two witnesses and two documentary exhibits)Tj 0 -1.125 TD (\(Exhibits A and B\). These persons)Tj /Span<>> BDC ( )Tj EMC 14.025 0 Td (believe Applicant is hard working, pays attention to detail, possesses g\ ood judgment,)Tj -14.025 -1.125 Td (is very security conscious, is trustworthy, and is a very dedicated and)Tj /Span<>> BDC ( )Tj EMC 27.937 0 Td (thorough security professional.)Tj /TT1 1 Tf -6.171 -7.625 Td (POLICIES)Tj /TT0 1 Tf -21.767 -5.375 Td (The Directive sets forth adjudicative guidelines to consider when evalua\ ting a person's security-clearance eligibility,)Tj T* (including disqualifying conditions \(DC\) and mitigating conditions \(MC\ \) for each applicable guideline. In addition, each)Tj T* (clearance decision must be a fair and impartial commonsense decision bas\ ed on the relevant and material facts and)Tj T* (circumstances, the whole-person concept, and the factors listed in \266 \ 6.3.1. through \266 6.3.6. of the Directive. Although the)Tj T* (presence or absence of a particular condition or factor for or against c\ learance is not outcome determinative, the)Tj T* (adjudicative guidelines should be followed)Tj /Span<>> BDC ( )Tj EMC 17.413 0 Td (whenever a case can be measured against this policy guidance.)Tj /TT1 1 Tf 1.938 -7.625 Td (BURDEN OF PROOF)Tj /TT0 1 Tf -19.351 -5.375 Td (The only purpose of a security-clearance decision is to decide if it is \ clearly consistent with the national interest to grant)Tj 0 -1.375 TD (or continue a security clearance for an)Tj /Span<>> BDC ( )Tj EMC 15.52 0 Td (applicant.)Tj 0 0 1 rg 9.75 0 0 9.75 249.2148 110.25 Tm ( \(2\))Tj ET 0 0 1 RG 0.75 w q 1 0 0 1 249.2148 109.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 263.021 105.75 Tm ( There is no presumption in favor of granting or continuing access to)Tj -20.585 -1.375 Td (classified information.)Tj 0 0 1 rg 9.75 0 0 9.75 123.9707 93.75 Tm ( \(3\))Tj ET q 1 0 0 1 123.9707 93 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 137.7769 89.25 Tm ( The government has the burden of proving controverted)Tj /Span<>> BDC ( )Tj EMC 22.91 0 Td (facts.)Tj 0 0 1 rg 9.75 0 0 9.75 438.3452 93.75 Tm ( \(4\))Tj ET q 1 0 0 1 438.3452 93 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 452.1514 89.25 Tm ( The U.S. Supreme Court has)Tj -36.346 -1.375 Td (said the burden of proof )Tj 9.858 0 Td (in a security-clearance case is less than the preponderance of the evide\ nce.)Tj 0 0 1 rg 9.75 0 0 9.75 492.1211 77.25 Tm ( \(5\))Tj ET q 1 0 0 1 492.1211 76.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 505.9272 72.75 Tm ( The DOHA)Tj -40.827 -1.375 Td (Appeal)Tj /Span<>> BDC ( )Tj EMC (Board has followed the Court's reasoning on this issue establishing a su\ bstantial-evidence standard.)Tj 0 0 1 rg 9.75 0 0 9.75 530.7168 60.75 Tm ( \(6\))Tj ET q 1 0 0 1 530.7168 60 cm 0 0 m 13.806 0 l h S Q q 10 36 592 730 re W n BT 0 g 12 0 0 12 16 39.75 Tm ("Substantial evidence is more than a scintilla, but less than)Tj /Span<>> BDC ( )Tj EMC 23.708 0 Td (a preponderance of the evidence.")Tj ET Q BT 9.75 0 0 9.75 463.6445 44.25 Tm ( \(7\))Tj ET q 1 0 0 1 463.6445 43.5 cm 0 0 m 13.806 0 l h S Q q 10 36 592 730 re W n BT 0 g 12 0 0 12 477.4507 39.75 Tm ( Once the government)Tj ET EMC Q endstream endobj 60 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[249.0 108.0 263.0 119.0]/Subtype/Link/Type/Annot>> endobj 61 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[123.0 91.0 137.0 102.0]/Subtype/Link/Type/Annot>> endobj 62 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[438.0 91.0 452.0 102.0]/Subtype/Link/Type/Annot>> endobj 63 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[492.0 75.0 506.0 86.0]/Subtype/Link/Type/Annot>> endobj 64 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[531.0 58.0 545.0 69.0]/Subtype/Link/Type/Annot>> endobj 65 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[463.0 42.0 477.0 53.0]/Subtype/Link/Type/Annot>> endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 66 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 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 16 754.5 Tm (The debt of $1,622.00 alleged in subparagraph 1.g is based on a medical \ account, which has been placed for collection.)Tj ET Q BT 0 g 12 0 0 12 16 741 Tm (Applicant admits this is his account, and)Tj /Span<>> BDC ( )Tj EMC 16.442 0 Td (it remains unpaid.)Tj -16.442 -5.375 Td (The debt of $190.00 alleged in subparagraph 1.h. is based on a dental ac\ count, which has been placed for collection.)Tj 0 -1.125 TD (Applicant admits this is his account, and it)Tj /Span<>> BDC ( )Tj EMC 17.248 0 Td (remains unpaid.)Tj -17.248 -5.375 Td (The debt of $27.00 alleged in subparagraph 1.i is based on a telephone a\ ccount, which has been charged off. Applicant)Tj T* (admits this is his account, and it is paid)Tj /Span<>> BDC ( )Tj EMC 15.943 0 Td (\(Exhibits C and P at p. 7\).)Tj -15.943 -5.375 Td (The debt of $133.00 alleged in subparagraph 1.j is based on a telephone \ account, which has been placed for collection.)Tj T* (Applicant does not deny the account, but)Tj /Span<>> BDC ( )Tj EMC 16.607 0 Td (contends it is paid. Applicant did not present documentary evidence that\ this)Tj -16.607 -1.125 Td (account is paid.)Tj 0 -5.375 TD (The debt of $85,801.00 alleged in subparagraph 1.k is based on a balance\ due owed on a mortgage loan that was)Tj 0 -1.125 TD (foreclosed upon in 2003. Applicant admits this)Tj /Span<>> BDC ( )Tj EMC 18.997 0 Td (is his account, and it remains unpaid. The mortgage loan was joint)Tj -18.997 -1.125 Td (liability between Applicant and his wife. When Applicant moved out of th\ e house due to)Tj /Span<>> BDC ( )Tj EMC 35.713 0 Td (undue family discord and)Tj -35.713 -1.125 Td (relocated to another state in 2002, his wife told him she would pay the \ mortgage loan. She did not, and Applicant was)Tj T* (unaware the)Tj /Span<>> BDC ( )Tj EMC 5.108 0 Td (property was foreclosed upon until the subject was brought up during his\ background investigation.)Tj -5.108 -5.375 Td (The matter alleged in subparagraph 1.l is that a personal financial stat\ ement \(Exhibit 2 at p. 6\) executed by Applicant in)Tj T* (December 2003 showing he had a)Tj /Span<>> BDC ( )Tj EMC 13.829 0 Td (negative monthly net remainder of $297.00, which did not include repayme\ nt of the)Tj -13.829 -1.125 Td (delinquent debts discussed above. Applicant does not dispute this matter\ .)Tj 0 -5.375 TD (In addition to the debts discussed above, Applicant presented documentar\ y proof that he has resolved some other debts.)Tj 0 -1.125 TD (Exhibit D shows Applicant paid)Tj /Span<>> BDC ( )Tj EMC 13.082 0 Td ($763.54 to resolve a credit card debt. Likewise, Exhibits M and N are pr\ oof Applicant)Tj -13.082 -1.125 Td (has resolved two medical bills that were placed for collection.)Tj 0 -5.375 TD (Applicant is still married to his wife, but he wants to divorce her. He \ does not know of her whereabouts and this has)Tj 0 -1.125 TD (delayed starting divorce proceedings.)Tj /Span<>> BDC ( )Tj EMC 15.189 0 Td (Applicant has a girlfriend who he met through work, they live together, \ and they)Tj -15.189 -1.125 Td (plan on marriage. The girlfriend provides financial assistance to Applic\ ant and)Tj /Span<>> BDC ( )Tj EMC 31.711 0 Td (this reduces Applicant's living expenses.)Tj -31.711 -1.125 Td (Applicant earns $14.00 per hour as a security guard and finds his wages \ do not go very far as he lives in a high-cost)Tj T* (area. Applicant's current financial situation is fairly described as liv\ ing paycheck-to-paycheck. He has less than $200.00)Tj T* (in a checking account and no savings)Tj /Span<>> BDC ( )Tj EMC 15.134 0 Td (to speak of.)Tj ET EMC endstream endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 67 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 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 (Applicant is a 47-year-old man who is a native-born U.S. citizen. He wor\ ks as a security guard for a company that)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (provides security services for a defense)Tj /Span<>> BDC ( )Tj EMC 15.994 0 Td (contractor. He seeking a security clearance in conjunction with this)Tj -15.994 -1.125 Td (employment.)Tj 0 -5.375 TD (The background investigation of Applicant revealed a history of delinque\ nt indebtedness.)Tj 0 -2.125 TD (The SOR alleges that Applicant received a discharge of more than $26,000\ .00 in debt under Chapter 7 of the bankruptcy)Tj 0 -1.125 TD (code, has ten accounts in a collection)Tj /Span<>> BDC ( )Tj EMC 15.105 0 Td (or charged off status, and lacks sufficient income to pay his delinquent\ debts.)Tj -15.105 -1.125 Td (These matters are discussed below.)Tj 0 -5.375 TD (SOR subparagraph 1.a alleges the Chapter 7 bankruptcy case. Applicant an\ d his wife filed a Chapter 7 petition in July)Tj 0 -1.125 TD (1996 to eliminate debt so they could)Tj /Span<>> BDC ( )Tj EMC 14.803 0 Td (qualify for a mortgage loan. The bankruptcy petition listed more than $2\ 6,000.00)Tj -14.803 -1.125 Td (in liabilities. The bankruptcy court granted Applicant and his wife a di\ scharge)Tj /Span<>> BDC ( )Tj EMC 31.462 0 Td (in October 1996. Subsequently, Applicant)Tj -31.462 -1.125 Td (and his wife obtained a mortgage loan and bought a home, which has since\ been foreclosed upon and will be)Tj /Span<>> BDC ( )Tj EMC 43.737 0 Td (discussed)Tj -43.737 -1.125 Td (below.)Tj 0 -5.375 TD (The debt of $239.00 alleged in subparagraph 1.b is based on a revolving \ credit line, which has been placed for)Tj 0 -1.125 TD (collection. Applicant admits this is his account,)Tj /Span<>> BDC ( )Tj EMC 19.191 0 Td (and it remains unpaid.)Tj -19.191 -5.375 Td (The debt of $92.00 alleged in subparagraph 1.c is based on telephone acc\ ount, which has been placed for collection.)Tj T* (Applicant does not deny the account, but)Tj /Span<>> BDC ( )Tj EMC 16.607 0 Td (contends it is paid. Applicant did not present documentary evidence that\ this)Tj -16.607 -1.125 Td (account is paid.)Tj 0 -5.375 TD (The debt of $992.00 alleged in subparagraph 1.d is based on a bank credi\ t card account, which has been charged off.)Tj 0 -1.125 TD (Applicant admits this is his account, and it)Tj /Span<>> BDC ( )Tj EMC 17.248 0 Td (remains unpaid.)Tj -17.248 -5.375 Td (The debt of $4,356.00 alleged in subparagraph 1.e is based on a bank cre\ dit card account, which has been charged off.)Tj T* (Applicant admits this is his account, and)Tj /Span<>> BDC ( )Tj EMC 16.442 0 Td (it remains unpaid.)Tj -16.442 -5.375 Td (The debt of $3,652 alleged in subparagraph 1.f is based on a bank credit\ card account, which has been charged off.)Tj T* (Applicant admits this is his account, and it)Tj /Span<>> BDC ( )Tj EMC 17.248 0 Td (remains unpaid.)Tj ET EMC endstream endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 68 0 obj [70 0 R] endobj 69 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 5 Tm (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/04-06517.h1.htm)Tj 50.019 0 Td ([7/2/2021 3:31:54 PM])Tj EMC ET 0.753 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g /TT1 1 Tf 11.25 0 0 11.25 259.7819 723.75 Tm (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 607.5 Tm (SYNOPSIS)Tj ET 0.75 w q 1 0 0 1 276.5312 606.75 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 543 Tm (Applicant is unable to successfully mitigate the security concern stemmi\ ng from his history )Tj 36.853 0 Td (of financial problems,)Tj -36.853 -1.125 Td (which are ongoing. Clearance is denied.)Tj /TT1 1 Tf 17.558 -7.625 Td (STATEMENT OF THE CASE)Tj /TT0 1 Tf -17.558 -5.375 Td (On May 25, 2004, the Defense Office of Hearings and Appeals \(DOHA\) iss\ ued to Applicant a Statement of Reasons)Tj 0 -1.375 TD (\(SOR\) stating the reasons why DOHA)Tj /Span<>> BDC ( )Tj EMC (proposed to deny or revoke access to classified information for Applican\ t.)Tj 0 0 1 rg 9.75 0 0 9.75 558.8711 361.5 Tm ( \(1\))Tj ET 0 0 1 RG q 1 0 0 1 558.8711 360.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 572.6772 357 Tm ( The)Tj -46.39 -1.125 Td (SOR, which is in essence the administrative complaint, alleges a securit\ y)Tj /Span<>> BDC ( )Tj EMC 29.465 0 Td (concern under Guideline F for financial)Tj -29.465 -1.125 Td (considerations. Applicant replied to the SOR on or about June 10, 2004, \ and he requested a hearing. The case was)Tj 0 -1.125 TD (assigned to me September 10, 2004. A notice of hearing was issued on Sep\ tember 16, 2004, scheduling the hearing for)Tj T* (October 27, 2004. Applicant appeared)Tj /Span<>> BDC ( )Tj EMC 15.522 0 Td (without counsel and the hearing took place as scheduled. I left the reco\ rd open to)Tj -15.522 -1.125 Td (allow Applicant to submit additional matters, those matters were timely)Tj /Span<>> BDC ( )Tj EMC 28.91 0 Td (received, and are admitted into the record)Tj -28.91 -1.125 Td (evidence, collectively, as Exhibit P. DOHA received the hearing transcri\ pt on November 5, 2004. Issuing a decision)Tj /Span<>> BDC ( )Tj EMC 46.709 0 Td (in)Tj -46.709 -1.125 Td (this case was delayed due to a heavy caseload.)Tj /TT1 1 Tf 19.406 -7.625 Td (FINDINGS OF FACT)Tj ET 0 G q 1 0 0 1 248.8721 170.25 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 106.5 Tm (Applicant's admissions to the SOR allegations are incorporated herein. 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