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(Elizabeth M. Matchinski)Tj
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(Subparagraph 1.b.: For )Tj
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(Guidelines F and J:)Tj
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(difficulties, or a history of not)Tj
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/Span<>> BDC
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(situation. He knew that at least three accounts \(\266\266 1.d., 1.m., 1\
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(satisfied in)Tj
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/Span<>> BDC
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/Span<>> BDC
( )Tj
EMC
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(reflects financial irresponsibility on his part, and he bears some respo\
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-15.355 -1.125 Td
(the $14,131.21 in financially delinquent debt as of June 2005. Disqualif\
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(A history of)Tj
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(not meeting financial obligations)Tj
/TT0 1 Tf
13.249 0 Td
(, and \266 E2.A6.1.2.3. )Tj
/TT2 1 Tf
(Inability or unwillingness to satisfy debts)Tj
/TT0 1 Tf
24.702 0 Td
(, apply.)Tj
-37.951 -2.125 Td
(Although Applicant was unemployed for about a year after his discharge f\
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(E2.A6.1.3.3. )Tj
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(person's control \(e.g., loss of)Tj
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(does not apply)Tj
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(with respect to incurring of the debt. )Tj
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(The largest of)Tj
/Span<>> BDC
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T*
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/Span<>> BDC
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0 -2.125 TD
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/Span<>> BDC
( )Tj
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/Span<>> BDC
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45.184 0 Td
(be)Tj
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/TT0 1 Tf
23.829 0 Td
(, applies.)Tj
-23.829 -2.125 Td
(However, as of February 2006, $12,482 of the $14,154 in delinquent debt \
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-34.326 -1.125 Td
(gross income of $69,683. On adjusted gross income of $36,957 for 2001, t\
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( )Tj
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(IRS at $200 per month, but by January 2006, had reduced their)Tj
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($4,367.39.)Tj
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-32.993 -1.125 Td
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-33.377 -1.125 Td
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0 -2.125 TD
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0 -1.125 TD
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/Span<>> BDC
( )Tj
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(the home. They were living paycheck)Tj
-32.244 -1.125 Td
(to paycheck despite not having to pay rent to her father, and they had a\
bout $589 on deposit in checking and one cent in)Tj
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(savings. They use debit cards to pay their)Tj
/Span<>> BDC
( )Tj
EMC
16.801 0 Td
(obligations. They have no active credit cards. He intends to pay his rem\
aining)Tj
-16.801 -1.125 Td
(debt as soon as he is financially able to do so. They were behind in the\
ir cellular phone payments as of his security)Tj
T*
(clearance hearing based on a text message he received a week before. His\
spouse was still handling the bills, because he)Tj
T*
(didn't trust himself well enough to take them over. \(Tr. 105\) Applican\
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/Span<>> BDC
( )Tj
EMC
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(taking a more active role in requesting proof)Tj
-30.257 -1.125 Td
(from her that their obligations were being paid. Applicant and his spous\
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(they married.)Tj
/TT1 1 Tf
21.767 -2.125 Td
(POLICIES)Tj
/TT0 1 Tf
-21.767 -2.125 Td
("[N]o one has a 'right' to a security clearance." )Tj
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(Department of the Navy v. Egan)Tj
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(, 484 U.S. 518, 528 \(1988\). As)Tj
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(Commander in Chief, the President has "the authority to . . . control ac\
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( )Tj
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(bearing on national security)Tj
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(Id.)Tj
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( at 527. The President)Tj
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(has authorized the Secretary of Defense or his designee to grant)Tj
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finding that it is clearly consistent with the)Tj
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(national interest to do)Tj
/Span<>> BDC
( )Tj
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8.942 0 Td
(so." Exec. Or. 10865, )Tj
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(Safeguarding Classified Information within Industry)Tj
/TT0 1 Tf
29.852 0 Td
( \247 2 \(Feb. 20, 1960\).)Tj
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(Eligibility for a security clearance is predicated upon the applicant me\
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/Span<>> BDC
( )Tj
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39.542 0 Td
(contained in the)Tj
-39.542 -1.125 Td
(Directive. An applicant "has the ultimate burden of demonstrating that i\
t is clearly consistent with the national interest to)Tj
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(grant or continue his security clearance." ISCR Case No.)Tj
/Span<>> BDC
( )Tj
EMC
22.985 0 Td
(01-20700 at 3.)Tj
-22.985 -2.125 Td
(Enclosure 2 of the Directive sets forth personnel security guidelines, a\
s well as the disqualifying conditions \(DC\) and)Tj
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(mitigating conditions \(MC\) under each guideline. In evaluating the sec\
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( )Tj
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30.464 0 Td
(worthiness of an applicant, the)Tj
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(administrative judge must also assess the adjudicative process factors l\
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(deny an individual a security clearance is not)Tj
/Span<>> BDC
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(necessarily a determination as to the loyalty of the applicant. )Tj
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(See)Tj
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( Exec. Or.)Tj
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(10865 \247 7. It is merely an indication that the applicant has not met \
the strict guidelines the President and the Secretary of)Tj
T*
(Defense have established for issuing a clearance.)Tj
0 -2.125 TD
(Concerning the evidence as a whole, the following adjudicative guideline\
s are most pertinent to this case:)Tj
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(Financial Considerations)Tj
/TT0 1 Tf
(. An individual who is financially overextended is at risk of having to \
engage in illegal acts to)Tj
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the)Tj
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-31.283 -1.125 Td
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0 -1.125 TD
(That October, Applicant started his)Tj
/Span<>> BDC
( )Tj
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(present employment with the defense contractor at $10.65 an hour. )Tj
26.992 0 Td
(Their landlord)Tj
-41.321 -1.125 Td
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/Span<>> BDC
( )Tj
EMC
46.574 0 Td
(her)Tj
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( On July 15, 2003, Applicant)Tj
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-34.565 -1.125 Td
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/Span<>> BDC
( )Tj
EMC
17.079 0 Td
(\(question 40\) the civil judgment alleged in \266 f., but claimed it ha\
d been paid)Tj
-17.079 -1.125 Td
(off. Applicant was granted an interim secret-level clearance. A subseque\
nt check of Applicant's credit on July 22, 2003,)Tj
T*
(listed a charge off balance of $1,005 on \266 1.m., and two telephone de\
bts \(\266\266 1.d. and 1.h.\), several outstanding medical)Tj
T*
(debts \(\266\266 1.b., 1.g., 1.i., 1.j.\) and one veterinary bill \(\266\
1.e.\) in collection.)Tj
0 -2.125 TD
(A check of Applicant's credit in May 2004 disclosed the balance of the d\
ebt in \266 1.m. to be )Tj
36.54 0 Td
($866. The $7,552 balance of)Tj
-36.54 -1.125 Td
(\266 1.n. and several collection debts \(\266\266 1.b., 1.d., 1.e., 1.g.\
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/Span<>> BDC
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-28.77 -1.125 Td
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0 -1.125 TD
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/Span<>> BDC
( )Tj
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(area he had lived before his discharge from active duty, $970 to a forme\
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-14.359 -1.125 Td
(and $362 on a joint account placed for collection in June 2001.)Tj
0 -2.125 TD
(On June 23, 2004, Applicant was interviewed by a Defense Security Servic\
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0 -1.125 TD
(credit obligations. He averred that he and his spouse had charge account\
s with the)Tj
/Span<>> BDC
( )Tj
EMC
33.017 0 Td
(creditor in \266\266 1.c. and m., only one of)Tj
-33.017 -1.125 Td
(which had a past due balance. He acknowledged the $7,552 delinquent bala\
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T*
(which had been accrued by his spouse before)Tj
/Span<>> BDC
( )Tj
EMC
18.327 0 Td
(their marriage, and indicated his spouse may not have paid the medical)Tj
-18.327 -1.125 Td
(debts in \266\266 1.b. and 1.j., the vet bill in \266 1.e., or the telep\
hone service bills in \266\266 1.d. and 1.h. He disputed the medical)Tj
T*
(debts in \266\266)Tj
/Span<>> BDC
( )Tj
EMC
(1.g. and 1.i., as they should have been covered by insurance. Applicant \
addressed the 1999 federal income)Tj
T*
(tax debt, due to his spouse not having taxes withheld when she cashed in\
her stock options. He)Tj
/Span<>> BDC
( )Tj
EMC
38.104 0 Td
(asserted he and his)Tj
-38.104 -1.125 Td
(spouse were "up to date" in filing their federal income tax returns, and\
he had claimed zero dependents to increase the)Tj
T*
(tax withholdings that could be applied to his past due balance)Tj
/Span<>> BDC
( )Tj
EMC
24.855 0 Td
(for 1999. As for the judgment filed against him as a result)Tj
-24.855 -1.125 Td
(of the automobile accident \(\266 1.f.\), Applicant indicated he arrange\
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T*
(month, but was unaware)Tj
/Span<>> BDC
( )Tj
EMC
10.025 0 Td
(whether his spouse was making the payments. In the Navy Reserve and work\
ing all overtime)Tj
-10.025 -1.125 Td
(available to him, Applicant expressed his intent to resolve his debts an\
d become more involved in handling)Tj
/Span<>> BDC
( )Tj
EMC
43.101 0 Td
(the family's)Tj
-43.101 -1.125 Td
(finances.)Tj
0 -2.125 TD
(As of June 2004, Applicant and his spouse and child were living with her\
father rent-free in exchange for caring for him.)Tj
0 -1.125 TD
(They were contributing financially to pay the household expenses. His sp\
ouse)Tj
/Span<>> BDC
( )Tj
EMC
31.437 0 Td
(was not working outside of the home as)Tj
-31.437 -1.125 Td
(she was caring for their son and her father.)Tj
0 -2.125 TD
(After tax refunds for 2002 and 2003 were intercepted for the 1999 federa\
l tax delinquency, the IRS filed a notice of levy)Tj
0 -1.125 TD
(against Applicant's wages in July 2004 to collect the $6,698.47 balance)Tj
/Span<>> BDC
( )Tj
EMC
28.757 0 Td
(\($3,789.43 in unpaid taxes and $2,901.04 in)Tj
-28.757 -1.125 Td
(penalties and interest\). In response to financial interrogatories from \
DOHA, Applicant admitted on November 18, 2004,)Tj
T*
(that he had made no payments on)Tj
/Span<>> BDC
( )Tj
EMC
13.635 0 Td
(the debts in \266\266 1.b., )Tj
(1.c., 1.d., 1.e., 1.g., 1.h., 1.i., 1.j., 1.m., and 1.n. because his wag\
es)Tj
-13.635 -1.125 Td
(had been attached to repay his 1999 tax debt at $800 per month. He promi\
sed to take sole responsibility for)Tj
/Span<>> BDC
( )Tj
EMC
43.128 0 Td
(repayment)Tj
-43.128 -1.125 Td
(of these debts once the IRS had ended the wage garnishment. As for his f\
ailure to file their federal returns for tax years)Tj
T*
(2000 and 2001, Applicant related he was tying to locate the W-2 forms)Tj
/Span<>> BDC
( )Tj
EMC
28.659 0 Td
(for those years. On December 17, 2004,)Tj
-28.659 -1.125 Td
(Applicant informed DOHA that the debt to the IRS had been paid in full f\
or 1999 and he was waiting for the IRS to)Tj
T*
("catch up with records to end the wage)Tj
/Span<>> BDC
( )Tj
EMC
15.791 0 Td
(garnishment." He also indicated he had acquired the wage information to \
file the)Tj
-15.791 -1.125 Td
(2000 and 2001 federal tax returns; and would be filing them "in the upco\
ming tax year.")Tj
0 -2.125 TD
(In March 2005, Applicant got a raise at work to about $20.31 per hour. A\
pplicant's credit report of June 8, 2005, listed)Tj
0 -1.125 TD
(unpaid collection debts \(\266\266 1.b., 1.d., 1.h., )Tj
17.015 0 Td
(a newly reported charged off balance)Tj
/Span<>> BDC
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EMC
15.103 0 Td
(of $153.52 owed a bank \(\266 1.k. and \266)Tj
-32.118 -1.375 Td
(1.l., same debt\) and outstanding revolving charge balances of $1,154 \(\
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(FINDINGS OF FACT)Tj
/TT0 1 Tf
-19.406 -2.125 Td
(DOHA alleged under Guideline F that Applicant owed delinquent debt total\
ing $15,143.21 on 17 accounts, $12,864.21)Tj
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/Span<>> BDC
( )Tj
EMC
32.567 0 Td
(\266 1.n.\). Under Guideline J, Applicant)Tj
-32.567 -1.125 Td
(was alleged to have willfully failed to timely file his federal income t\
ax returns for tax years 2000 and 2001. Applicant)Tj
T*
(denied the debts alleged in \266\266 1.a., 1.e.)Tj
/Span<>> BDC
( )Tj
EMC
15.707 0 Td
(\(paid\), 1.k., 1.l., and 1.o. He acknowledged the $7,552 charged off de\
bt owed a)Tj
-15.707 -1.125 Td
(retailer but indicated it was incurred by his spouse before their marria\
ge. He denied any willful failure to file his federal)Tj
T*
(returns for the two years listed \(2000 and 2001\) and indicated the ret\
urns had been filed. Applicant's admissions to)Tj
T*
(delinquent indebtedness are accepted and incorporated as findings of fac\
t.)Tj
0 -2.125 TD
(After a thorough review and consideration of the evidence of record, I m\
ake the following additional findings:)Tj
T*
(Applicant is a 30-year-old carpenter who has been employed by a defense \
contractor since mid-October 2002. He is)Tj
0 -1.125 TD
(currently in a four-year apprenticeship program and seeks a secret-level\
security)Tj
/Span<>> BDC
( )Tj
EMC
32.347 0 Td
(clearance for his duties.)Tj
-32.347 -2.125 Td
(Applicant married his spouse in January 1997 while he was on active duty\
in the U.S. military. In mid-August 1998,)Tj
T*
(they had their first son. After his discharge from active duty into the \
Naval Reserve)Tj
/Span<>> BDC
( )Tj
EMC
33.601 0 Td
(in October 1998, Applicant was)Tj
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( )Tj
EMC
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(1999. Over the next few years, Applicant held a succession of jobs)Tj
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( )Tj
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(accounts, opened by her in March 2000 with Applicant an authorized user,\
was reportedly 120 days past due as of)Tj
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(September 2000 with a $470 balance \(\266 1.c.\). Applicant had his own \
account with the same lender that he opened in)Tj
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( )Tj
EMC
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(collection had an unpaid balance of $89 as of September 2000 \(\266 1.b.\
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( )Tj
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(debt of $106 was placed for collection by the telephone company at the s\
ame time \(\266\266 1.h. and 1.q., same debt\). In)Tj
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/Span<>> BDC
( )Tj
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/Span<>> BDC
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EMC
32.796 0 Td
(by $5,577. In February 2001, the)Tj
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0 -2.125 TD
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/Span<>> BDC
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EMC
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/Span<>> BDC
( )Tj
EMC
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/Span<>> BDC
( )Tj
EMC
(Applicant's spouse did not file their federal income tax returns for tax\
year 2001 when it was due in April 2002.)Tj
T*
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/Span<>> BDC
( )Tj
EMC
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EMC
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curred, Applicant arranged to repay the debt at)Tj
T*
($100 per month. He made no payments)Tj
/Span<>> BDC
( )Tj
EMC
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ng)Tj
-15.997 -1.125 Td
(payments. As of June 2004, he owed $4,158.21 on the debt \(\266 1.f.\).)Tj
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