%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-07-02T15:47:10-04:00 2021-07-02T15:47:10-04:00 2021-07-02T15:47:10-04:00 Adobe Acrobat 17.0 application/pdf 05-04649.h1 uuid:1a6b4b3f-de2d-4070-8914-1afe8a423ee6 uuid:bb5c989e-cd50-46cd-b1ec-9a58ec26c579 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 20 0 obj <>>> endobj 21 0 obj <> endobj 22 0 obj <> endobj 24 0 obj [23 0 R 23 0 R] endobj 25 0 obj [23 0 R 23 0 R] endobj 26 0 obj [23 0 R 23 0 R] endobj 27 0 obj [23 0 R 23 0 R] endobj 28 0 obj [23 0 R 23 0 R] endobj 29 0 obj [23 0 R 23 0 R] endobj 30 0 obj [23 0 R 23 0 R] endobj 23 0 obj <><><><><><><><><><><><>]/P 21 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 31 0 obj [37 0 R] endobj 32 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-04649.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-04649.h1.html)Tj 50.296 0 Td ([7/2/2021 3:47:10 PM])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: September 28, 2006)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 (CR Case No. 05-04649)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 2.611 -2.125 Td (ELIZABETH M. MATCHINSKI)Tj 3.404 -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 -4.499 -2.2 Td (Braden M. Murphy, Esq., Department Counsel)Tj /TT1 1 Tf 5.276 -2.2 Td (FOR APPLICANT)Tj /TT0 1 Tf 12 0 0 12 249.543 424.5 Tm (Cary P. Gianoulis, Esq.)Tj /TT1 1 Tf 2.249 -2.125 Td (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 398.25 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 373.5 Tm (Applicant overextended himself on consumer credit and filed for Chapter \ 7 bankruptcy in October 2003 seeking a)Tj 0 -1.125 TD (discharge of $42,586 in unsecured debt. He had the bankruptcy dismissed \ in January)Tj /Span<>> BDC ( )Tj EMC 34.13 0 Td (2004 in order to save his home.)Tj -34.13 -1.125 Td (Financial considerations persist where he has made little effort to repa\ y his creditors. Alleged personal conduct concerns)Tj T* (for failure to disclose his delinquent debts on his)Tj /Span<>> BDC ( )Tj EMC 19.691 0 Td (security clearance application are not proven where he listed his then)Tj -19.691 -1.125 Td (very recent bankruptcy filing. Clearance is denied.)Tj /TT1 1 Tf 17.558 -2.125 Td (STATEMENT OF THE CASE)Tj /TT0 1 Tf -17.558 -2.125 Td (On December 2, 2005, the Defense Office of Hearings and Appeals \(DOHA\)\ issued a Statement of Reasons \(SOR\) to)Tj T* (the Applicant. The SOR detailed reasons under Guideline F, financial)Tj /Span<>> BDC ( )Tj EMC 28.104 0 Td (considerations, and Guideline E, personal)Tj -28.104 -1.125 Td (conduct, why DOHA could not make the preliminary affirmative finding und\ er the Directive that it is clearly consistent)Tj 0 -1.375 TD (with the national interest to grant or)Tj /Span<>> BDC ( )Tj EMC 14.58 0 Td (continue a security clearance for the Applicant.)Tj 0 0 0.933 rg 9.75 0 0 9.75 417.8477 229.5 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 417.8477 228.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 199.5 Tm (On January 6, 2006, Applicant answered the SOR and requested a hearing b\ efore a DOHA administrative judge. The)Tj 0 -1.125 TD (case was assigned to me on February 2, 2006. Counsel for Applicant enter\ ed his)Tj /Span<>> BDC ( )Tj EMC 32.326 0 Td (appearance on March 16, 2006. On)Tj -32.326 -1.125 Td (April 25, 2006, I convened a hearing pursuant to formal notice dated Mar\ ch 24, 2006. Six government exhibits were)Tj T* (admitted and testimony was taken from)Tj /Span<>> BDC ( )Tj EMC 16.052 0 Td (Applicant, as reflected in a transcript received May 8, 2006.)Tj /TT1 1 Tf 3.354 -2.125 Td (FINDINGS OF FACT)Tj ET 0 G q 1 0 0 1 248.8721 132.75 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 108 Tm (Applicant was alleged under Guideline F to owe $62,317 in delinquent con\ sumer credit card debt and to have had an)Tj T* (October 2003 Chapter 7 bankruptcy listing $140,086 in liabilities dismis\ sed in)Tj /Span<>> BDC ( )Tj EMC 31.607 0 Td (January 2004. Under Guideline E, he was)Tj -31.607 -1.125 Td (alleged to have deliberately falsified his security clearance applicatio\ n \(SF 86\) by failing to disclose the delinquent)Tj T* (credit card debts alleged in SOR \266\266 1.a.)Tj /Span<>> BDC ( )Tj EMC 16.068 0 Td (through 1.h. as having been delinquent more than 180 days in the precedi\ ng)Tj -16.068 -1.125 Td (seven years \(question 38\) or as currently over 90 days delinquent \(qu\ estion 39\). Applicant admitted owing the creditors)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 40.5 Tm (alleged, although he was not sure as to the exact amounts. He also ackno\ wledged the bankruptcy had been dismissed at)Tj ET EMC Q endstream endobj 33 0 obj <> endobj 34 0 obj (87TbtN) endobj 35 0 obj <> endobj 36 0 obj <> endobj 40 0 obj <> endobj 41 0 obj <>stream H\j0E -EqzF @EG8$54QEjHt8_o7Ѝ.fg;tv/1cyڮTYNp質r{qZ|O,d+Y+#&Lr|&0 Y,t8 BgY,t nʞ(z샢>(|]>>>>>>>>y=zfL {20:i\6HN4.ϗ2K˾nԷ endstream endobj 42 0 obj <>stream H|y\TG5o^p rxÛxDFh\]ݸ1F!*EDos< OfDu\5ď&u1GS]U}~? 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Applicant)Tj /Span<>> BDC ( )Tj EMC 15.69 0 Td (testified he went to a lawyer to file for bankruptcy in 2003. \(Tr. 36\)\ His credit)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (report of February 2004 reflects charged off balances as of December 200\ 2, before he would have consulted with a)Tj 0 -1.125 TD (lawyer)Tj /Span<>> BDC ( )Tj EMC (if the 2003 date is correct.)Tj 0 -2.125 TD (4. )Tj (Applicant testified he and his spouse bought the timeshare approximately\ six or seven years ago, at a cost of $7,000)Tj 0 -1.125 TD (or $8,000 \(Tr. 88, 92\), although he later indicated he did not want to\ be held to the $7,000 figure \(Tr. 99\). Applicant's)Tj T* (credit report of February 2004 \(Ex. 3\) reflects a secured loan of $8,6\ 69 taken out in October 1997 paid in full by)Tj T* (November 2000. That loan may well have been for the timeshare, as Applic\ ant testified they made installment)Tj T* (payments.)Tj ET EMC endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 45 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-04649.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-04649.h1.html)Tj 50.296 0 Td ([7/2/2021 3:47:10 PM])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 (exempts from reporting delinquent debts included in a bankruptcy. 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He reported reasonably accurately \ that he had filed for discharge of $40,000 in)Tj T* (debt. SOR \266\266 2.a. and 2.b. are found for him.)Tj /TT2 1 Tf 19.364 -2.125 Td (FORMAL FINDINGS)Tj /TT0 1 Tf -19.364 -2.125 Td (Formal findings as required by Section 3, Paragraph 7 of Enclosure 1 to \ the Directive are hereby rendered as follows:)Tj 0 -2.125 TD (Paragraph 1. Guideline F: AGAINST THE APPLICANT)Tj T* (Subparagraph 1.a.: For the Applicant)Tj T* (Subparagraph 1.b.: Against the Applicant)Tj T* (Subparagraph 1.c.: Against the Applicant)Tj T* (Subparagraph 1.d.: Against the Applicant)Tj T* (Subparagraph 1.e.: )Tj 7.775 0 Td (Against the Applicant)Tj -7.775 -2.125 Td (Subparagraph 1.f.: Against the Applicant)Tj T* (Subparagraph 1.g.: Against the Applicant)Tj T* (Subparagraph 1.h.: Against the Applicant)Tj T* (Subparagraph 1.i.: Against the Applicant)Tj T* (Paragraph 2. Guideline E: FOR THE APPLICANT)Tj T* (Subparagraph 2.a.: For the Applicant)Tj T* (Subparagraph 2.b.: For the Applicant)Tj /TT2 1 Tf 21.683 -2.125 Td (DECISION)Tj /TT0 1 Tf -21.683 -2.125 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 for Applicant. Clearance is de\ nied.)Tj /TT2 1 Tf 18.864 -2.125 Td (Elizabeth M. Matchinski)Tj 0.667 -2.125 Td (Administrative Judge)Tj /TT0 1 Tf -19.531 -2.125 Td (1.)Tj 0 -2.125 TD (2. )Tj (Applicant testified the loan debt was settled in the late 1980s \(Tr. 98\ \), but his November 2005 credit report \(Ex. 6\))Tj 0 -1.125 TD (reflects a mortgage loan taken out in February 1992.)Tj 0 -2.125 TD (3. )Tj (Applicant told a special investigator for the Office of Personnel Manage\ ment in November 2004 \(Ex. 2\) that in May)Tj 0 -1.125 TD (or June 2003, he had consulted with a lawyer about debt consolidation an\ d the)Tj /Span<>> BDC ( )Tj EMC 31.576 0 Td (lawyer recommended bankruptcy. The)Tj -31.576 -1.125 Td (bankruptcy petition \(Ex. 4\) indicates Applicant paid the lawyer $950 i\ n September 2001 to file. 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J|.QL+*o֭Kb`s2 m ׁUbF>@Ws2V`0kQs05ߑSPbN!<@I!JLpS8pӑI2:}1ۜ蜧Czu&Kx//G\,y qfg*=i'b] X X_z-cTy^yivwT-'rxĝ}PƠIDMF [M;L1b"ZK/ (z˭ώR5WЭaPO1/@|SyMm+@Vmӻٕ2+ Ez8i8U9yjSN9UNS:بt<8V~jS%Q/5e |j2T]9j)w֕Tn,ttktJ#D-إԇ`=6g]? q;xn kS£c"РeoZkI+JQ iH[Jm"nH &PR[MD BQof&)6UJWߞy93̝3˻\XqЮL"*'Uirdӽs*ޅ˵6\&0#; Ż`6x5>ƾtr(e {[2Нe3rED9W׀;;^Q_~(~ΞZs\9O\wyĹy1@!s~ ÞAq%5͑;ru!6ynu3~nEyGʻ*br2͓⫞׈co8%|6Q'juO=4Νȃ#JsM5sAި|T|f8件gqlsnz%OKn2Z 0pZM {JTbmNQ;%N8$[~Z`/Gtci+[rU~"(3~XgY6-n(lΔ G{wyكy8DOO7FU$>cN,)Wt6VކqU G|Ędt"]BQuOrU@_ C'1Z&:TNk4CCErį|'j ҋvo>VձXr{×]x0uVh7G%I8Np6ǝmlmcImx(ֵ=.pi~)jf`vbvu쩥-яiyCds4 FyG)Oĺ!5-wxwg؉ce o΄';p hD(>N2&*h\Xpkmͱ`u+A\٪U9GW5ґ Oƃa#oO񦑯Ʊ~4zHF2-d- /}|<[.ۧdjFF{tof6}:/]\: 6sc WҾJ^dDQ/eU8Y#)훏Z֚\7MMWJ}>)R`wW׸[më!/{k6<}Tw%VɌfROjD JOV1!ߴW,?ۮWX-c7 !/I2AXʪ:HZUoM]jI1eZ#GyӭzC~8Vzk>D̈ z|dUL)vk&nаo xl-\ŗ/̧ :"$=U+ 2 p[ ل|$! y,!ߙw$r/B! #wZD4"OFG#}y""g"rJAwrlc'՟:3eO/Vl5Fß6G [[@b~A{Vra, #aD.);$ð7IUDaq [A;NS pd#$eY,f0/+N I6-H`_PϪ8 lÙ^KbӯUGK+ut:^~*O~_Wl,iJ1̓q::X;8wޭčto:Pl*t7E%+JVûxq[)VD5GćEC~v[&) -RT#IOJD&g{]#]hyz/0D`O$YC0riO3qcկVȽ2 &KNqfU KQl 9@l3!+0g΅5Ϝ3MD2 6LVPlA-fbRimaE嗅9T6,2caXg~ΘeXP(âue$dX\6(F&[$(,2ӕK4)S5iR⚒wtr_4U~5kU~\ D(EEA9MZq9ctܥ\z ijKʥɗ%6vzAŁ'CaRVj4I&=쫳|3e/#g:t;՝b3BOiE+ qOhDdLNe]1֊b0Sd #Ԝa ̗U5km̘Z68 ՅAI$YKǠBAqVt ol3KVhgl|Qx;_AU/o\>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 50 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-04649.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-04649.h1.html)Tj 50.296 0 Td ([7/2/2021 3:47:10 PM])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 16 756 Tm (incurred more than $42,000 in unsecured credit card debt by October 2003\ that he sought to have discharged in)Tj ET Q BT 0 g 12 0 0 12 16 742.5 Tm (bankruptcy. DC \266)Tj /Span<>> BDC ( )Tj EMC (E2.A6.1.2.1. )Tj /TT1 1 Tf (A history of not meeting financial obligations)Tj /TT0 1 Tf 30.839 0 Td (, and \266 E2.A6.1.2.3. )Tj /TT1 1 Tf (Inability or)Tj -30.839 -1.125 Td (unwillingness to satisfy debts)Tj /TT0 1 Tf 11.695 0 Td (, apply.)Tj -11.695 -2.125 Td (Applicant and his spouse's financial situation was clearly negatively af\ fected by the failure of the bank where his spouse)Tj 0 -1.125 TD (was a vice president. She managed to find a new job, but her salary was \ about)Tj /Span<>> BDC ( )Tj EMC 31.435 0 Td ($20,000 less per year. Mitigating)Tj -31.435 -1.125 Td (condition \(MC\) \266 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 T* (\(e.g., loss of employment, a business downturn,)Tj /Span<>> BDC ( )Tj EMC 19.166 0 Td (unexpected medical emergency, or a death, divorce, or separation\) )Tj /TT0 1 Tf 27.103 0 Td (does)Tj -46.268 -1.125 Td (not fully extenuate or mitigate debt incurred largely due to financial m\ ismanagement on his part, however. With his)Tj T* (spouse's)Tj /Span<>> BDC ( )Tj EMC (discharge in bankruptcy in 1998, part of the debt burden was alleviated.\ He failed to take advantage of the)Tj T* (financial fresh start it afforded the family and continued to accumulate\ personal credit card)Tj /Span<>> BDC ( )Tj EMC 36.596 0 Td (debt. At least one of his)Tj -36.596 -1.125 Td (credit card accounts \(\266 1.c.\) was opened after her bankruptcy, and \ the accounts alleged in the SOR became delinquent)Tj T* (after the bankruptcy. Furthermore, whether Applicant and)Tj /Span<>> BDC ( )Tj EMC 23.408 0 Td (his spouse purchased the timeshare in October 1997, which)Tj -23.408 -1.125 Td (would have been before her bankruptcy, or six or seven years ago when Ap\ plicant was struggling to make the payments)Tj T* (on his accounts, they)Tj /Span<>> BDC ( )Tj EMC 8.637 0 Td (exercised questionable financial judgment in taking on a monthly install\ ment obligation when they)Tj -8.637 -1.125 Td (were overextended on credit.)Tj 0 -2.125 TD (Applicant made an effort to resolve his delinquent debt in an October 20\ 03 Chapter 7 filing. No adverse inference is)Tj 0 -1.125 TD (drawn from the dismissal itself, since Applicant and his spouse believed\ in good)Tj /Span<>> BDC ( )Tj EMC 32.383 0 Td (faith that a homestead had been filed in)Tj -32.383 -1.125 Td (her bankruptcy. Yet, he was still obligated to address these debts. He t\ old the OPM investigator that he would refile the)Tj T* (bankruptcy, but did nothing as he waited)Tj /Span<>> BDC ( )Tj EMC 16.552 0 Td (to see if he would be actively pursued by his creditors. Most of his cre\ ditors)Tj -16.552 -1.125 Td (wrote off the debt, and reported a zero balance to the credit reporting \ agencies. Applicant submits, without citing to any)Tj T* (specific provision of the Fair Credit Reporting Act, he is no longer res\ ponsible for repaying those debts which have)Tj T* (been reported to the credit agencies as charged off with a zero balance.\ A creditor)Tj /Span<>> BDC ( )Tj EMC 32.928 0 Td (charge-off is an account transfer made)Tj -32.928 -1.125 Td (when a creditor no longer expects to be repaid. It is noted that the pur\ pose of the Fair Credit Reporting Act, 15 U.S.C. \247)Tj T* (1681 et seq., is to minimize credit)Tj /Span<>> BDC ( )Tj EMC 13.803 0 Td (reporting errors, rather than to give a debtor relief from significant d\ ebt burden,)Tj -13.803 -1.125 Td (which is the purpose of bankruptcy. Since there was no liquidation of hi\ s unsecured accounts, the debts remained legally)Tj T* (enforceable even after they were charged off. Irrespective of whether co\ llection can ensue once a zero balance is)Tj T* (reported, the practical effect of the bankruptcy filing is that most of \ his creditors are not)Tj /Span<>> BDC ( )Tj EMC 35.349 0 Td (likely to pursue him for the)Tj -35.349 -1.125 Td (debt. When Applicant recently contacted the creditor in \266 1.d., he wa\ s told there was nothing to be done because of the)Tj T* ("bankruptcy discharge.")Tj 0 -2.125 TD (As noted by the DOHA Appeal Board \(ISCR 01-09691, App. Bd. Mar. 27, 200\ 3\), even if a delinquent debt is)Tj 0 -1.125 TD (unenforceable, the federal government is still not precluded from consid\ ering the facts)Tj /Span<>> BDC ( )Tj EMC 34.793 0 Td (surrounding the incurring of debt)Tj -34.793 -1.125 Td (and failure to satisfy it in a timely manner. Not knowing that many of h\ is creditors had simply charged off the debt)Tj T* (balances, Applicant made no effort to pay for the)Tj /Span<>> BDC ( )Tj EMC 19.881 0 Td (goods and services he enjoyed because of the credit extended to him.)Tj -19.881 -1.125 Td (By letter of February 1, 2006, Applicant was provided discovery from the\ government, including a copy of his)Tj T* (November 29, 2005,)Tj /Span<>> BDC ( )Tj EMC (credit report which shows a delinquent debt balance of $11,576 on \266 1\ .b. Evidence of recent)Tj T* (disregard is seen in his failure to contact that creditor until early Ap\ ril 2006 when he has the )Tj 37.1 0 Td ("financial)Tj /Span<>> BDC ( )Tj EMC 4.156 0 Td (wherewithal" to)Tj -41.256 -1.125 Td (settle the debt \(Tr. 88\). Assuming Applicant had been aggressively pur\ sued by his creditors at some point \(he testified)Tj T* (he looks at them as "predators" Tr. 68\), their tactics do not justify)Tj /Span<>> BDC ( )Tj EMC 26.449 0 Td (his failure to take reasonable steps to address his)Tj -26.449 -1.125 Td (legitimate obligations. His exhibited tendency to place his personal int\ erests ahead of his legal obligations is)Tj T* (inconsistent with retention of a security)Tj /Span<>> BDC ( )Tj EMC 16.052 0 Td (clearance. Some reform is evident since he is no longer incurring Master\ Card or)Tj -16.052 -1.125 Td (VISA credit card debt, but it is not enough to overcome the concerns for\ his financial judgment that exist because of)Tj T* (abuse of consumer credit. Accordingly, SOR \266\266 1.b.,1.c., 1.d., 1.e\ ., 1.f., 1.g., 1.h., and 1.i. are resolved against him. SOR)Tj T* (\266 1.a. is found for him as he credibly testified that the debt repres\ ents a fee for a)Tj /Span<>> BDC ( )Tj EMC 32.164 0 Td (credit card sent to him under terms he)Tj -32.164 -1.125 Td (declined, and he never used the card.)Tj 0 -2.125 TD (Under Guideline E, personal conduct, the government alleges Applicant de\ liberately falsified his SF 86 by failing to)Tj 0 -1.125 TD (disclose his delinquent debts. Clearly, where he had filed for bankruptc\ y under)Tj /Span<>> BDC ( )Tj EMC 31.769 0 Td (Chapter 7 on October 17, 2003, he)Tj -31.769 -1.125 Td (should have responded "Yes" to questions 38 \(any debts over 180 days de\ linquent in the last seven years\) and 39 \(any)Tj T* (debts currently over 90 days delinquent\) on a)Tj /Span<>> BDC ( )Tj EMC 18.328 0 Td (security clearance application executed on November 3, 2003. Applicant)Tj -18.328 -1.125 Td (explained that since he listed the bankruptcy, he thought it was suffici\ ent to cover him as to notifying the government of)Tj T* (his)Tj /Span<>> BDC ( )Tj EMC (financial problems, and he was not late on his day-to-day obligations. N\ othing in the language of questions 38 or 39)Tj ET EMC endstream endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 51 0 obj [53 0 R] endobj 52 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-04649.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-04649.h1.html)Tj 50.296 0 Td ([7/2/2021 3:47:10 PM])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 (anything, I guess I can honestly say out of sight, out of mind, I really\ didn't think about it and, as time went on, I)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (probably thought less about it, that nobody was)Tj /Span<>> BDC ( )Tj EMC 19.192 0 Td (bothering me and, you know, like it was gone. \(Tr. 40\))Tj -19.192 -2.125 Td (Applicant's two daughters \(ages 26 and 23 as of April 2006\) moved out \ of the family home in spring 2005. Their)Tj 0 -1.125 TD (youngest is living alone with her child. Proud of their younger daughter\ 's completion of)Tj /Span<>> BDC ( )Tj EMC 35.313 0 Td (a two-year program to be a)Tj -35.313 -1.125 Td (therapist, Applicant and his spouse are helping her repay her $14,000 in\ student loan debt, although the loans are in their)Tj T* (daughter's name.)Tj 0 -2.125 TD (The home improvement retailer would not extend Applicant any future cred\ it. As of April 2006, Applicant continued to)Tj 0 -1.125 TD (rely on credit for purchases with the other two retailers. He owed )Tj 26.296 0 Td ($500 or $600)Tj /Span<>> BDC ( )Tj EMC (on his charge account with the)Tj -26.296 -1.125 Td (warehouse club and $100 on the other card for a grill that he bought. He\ and his spouse own a week at a timeshare that)Tj 0 -1.375 TD (they purchased for $7,000 or $8,000.)Tj 0 0 0.933 rg 9.75 0 0 9.75 193.293 611.25 Tm ( \(4\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 193.293 610.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 207.0991 606.75 Tm ( Applicant)Tj /Span<>> BDC ( )Tj EMC 4.443 0 Td (believes it is paid for although they continue to be responsible for)Tj -20.368 -1.125 Td (maintenance fees, which are "a couple hundred dollars a year." \(Tr. 86\)\ Applicant has 401\(k\) assets. As of November)Tj 0 -1.125 TD (2004, the balance)Tj /Span<>> BDC ( )Tj EMC 7.275 0 Td (was about $210,000.)Tj /TT1 1 Tf 14.492 -2.125 Td (POLICIES)Tj ET 0 G q 1 0 0 1 277.1992 553.5 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 528.75 Tm ("[N]o one has a 'right' to a security clearance." )Tj /TT2 1 Tf 18.835 0 Td (Department of the Navy v. Egan)Tj /TT0 1 Tf 12.886 0 Td (, 484 U.S. 518, 528 \(1988\). As)Tj -31.721 -1.125 Td (Commander in Chief, the President has "the authority to . . . control ac\ cess to information)Tj /Span<>> BDC ( )Tj EMC 36.123 0 Td (bearing on national security)Tj -36.123 -1.125 Td (and to determine whether an individual is sufficiently trustworthy to oc\ cupy a position . . . that will give that person)Tj T* (access to such information." )Tj /TT2 1 Tf 11.544 0 Td (Id.)Tj /TT0 1 Tf ( at 527. The President has authorized the Secretary of Defense or his de\ signee to grant)Tj -11.544 -1.125 Td (applicants eligibility for access to classified information "only upon a\ finding that it is clearly consistent with the)Tj T* (national interest to do)Tj /Span<>> BDC ( )Tj EMC 8.942 0 Td (so." Exec. Or. 10865, )Tj /TT2 1 Tf (Safeguarding Classified Information within Industry)Tj /TT0 1 Tf 29.852 0 Td ( \247 2 \(Feb. 20, 1960\).)Tj -38.794 -1.125 Td (Eligibility for a security clearance is predicated upon the applicant me\ eting the security guidelines)Tj /Span<>> BDC ( )Tj EMC 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 T* (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 T* (mitigating conditions \(MC\) under each guideline. In evaluating the sec\ urity)Tj /Span<>> BDC ( )Tj EMC 30.464 0 Td (worthiness of an applicant, the)Tj -30.464 -1.125 Td (administrative judge must also assess the adjudicative process factors l\ isted in \266 6.3 of the Directive. The decision to)Tj T* (deny an individual a security clearance is not a)Tj /Span<>> BDC ( )Tj EMC 18.965 0 Td (determination as to the loyalty of the applicant. )Tj /TT2 1 Tf 19.133 0 Td (See)Tj /TT0 1 Tf ( Exec. Or. 10865 \247 7.)Tj -38.098 -1.125 Td (It is merely an indication that the applicant has not met the strict gui\ delines the President and the Secretary of Defense)Tj T* (have)Tj /Span<>> BDC ( )Tj EMC (established for issuing a clearance.)Tj 0 -2.125 TD (After considering the evidence of record, the following adjudicative gui\ delines are pertinent to an evaluation of)Tj 0 -1.125 TD (Applicant's security suitability:)Tj /TT1 1 Tf 0 -2.125 TD (Financial Considerations)Tj /TT0 1 Tf (. An individual who is financially overextended is at risk of having to \ engage in illegal acts to)Tj 0 -1.125 TD (generate funds. Unexplained affluence is often linked to proceeds from)Tj /Span<>> BDC ( )Tj EMC 28.684 0 Td (financially profitable criminal acts. \(\266)Tj -28.684 -1.125 Td (E2.A6.1.1\))Tj /TT1 1 Tf 0 -2.125 TD (Personal Conduct)Tj /TT0 1 Tf (. Conduct involving questionable judgment, untrustworthiness, unreliabil\ ity, lack of candor,)Tj 0 -1.125 TD (dishonesty, or unwillingness to comply with rules and regulations could \ indicate that the)Tj /Span<>> BDC ( )Tj EMC 35.661 0 Td (person may not properly)Tj -35.661 -1.125 Td (safeguard classified information. \( \266 E2.A5.1.1\))Tj /TT1 1 Tf 20.489 -2.125 Td (CONCLUSIONS)Tj /TT0 1 Tf -20.489 -2.125 Td (Having considered the evidence of record in light of the appropriate leg\ al precepts and factors, and having assessed the)Tj T* (credibility of the Applicant, I conclude the government established its \ case with)Tj /Span<>> BDC ( )Tj EMC 32.185 0 Td (respect to Guideline F, financial)Tj -32.185 -1.125 Td (considerations, as follows:)Tj 0 -2.125 TD (Under Guideline F, financial considerations, the security concerns arise\ when the applicant is shown to have a history of)Tj 0 -1.125 TD (excessive indebtedness, recurring financial difficulties, or a history o\ f not)Tj /Span<>> BDC ( )Tj EMC 29.657 0 Td (meeting his financial obligations. The)Tj -29.657 -1.125 Td (government must consider whether individuals granted access to classifie\ d information are, because of financial)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 39.75 Tm (irresponsibility, in a position where they )Tj 16.414 0 Td (may be)Tj /Span<>> BDC ( )Tj EMC 3.166 0 Td (at risk of having to engage in illegal acts to generate funds. Applicant\ )Tj ET EMC Q endstream endobj 53 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[193.0 609.0 207.0 620.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 54 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-04649.h1)Tj EMC /Artifact <>BDC 0 -86 TD (file:///usr.osd.mil/)Tj 7.166 0 Td (...)Tj (yComputer/Desktop/DOHA%20transfer/DOHA-Kane/dodogc/doha/industrial/Archi\ ved%20-%20HTML/05-04649.h1.html)Tj 50.296 0 Td ([7/2/2021 3:47:10 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f 0.173 g q 1 0 0 1 16.7499 722.9997 cm 0 0 m -0.75 -0.75 l 579 -0.75 l 578.25 0 l h f Q 0.502 g q 1 0 0 1 16.0002 765.9999 cm 0 0 m 0 -43.75 l 0.75 -43 l 0.75 0 l h f Q 0.173 g q 1 0 0 1 594.9999 765.9999 cm 0 0 m 0 -43 l 0.75 -43.75 l 0.75 0 l h f Q q 10 36 592 730 re W n q 1 0 0 1 17.5 767.25 cm 0 0 m 0.75 -0.75 l 105.75 -0.75 l 106.5 0 l h f* Q Q 0.502 g q 1 0 0 1 18.2502 724.5 cm 0 0 m -0.751 -0.75 l 105.75 -0.75 l 104.999 0 l h f Q 0.173 g q 1 0 0 1 17.4996 765.9999 cm 0 0 m 0 -42.25 l 0.751 -41.5 l 0.751 0 l h f Q 0.502 g q 1 0 0 1 123.2496 765.9999 cm 0 0 m 0 -41.5 l 0.751 -42.25 l 0.751 0 l h f Q q 10 36 592 730 re W n 0.173 g q 1 0 0 1 124.75 767.25 cm 0 0 m 0.75 -0.75 l 317.25 -0.75 l 318 0 l h f* Q Q q 1 0 0 1 125.4996 724.5 cm 0 0 m -0.75 -0.75 l 317.25 -0.75 l 316.5 0 l h f Q 0.173 g q 1 0 0 1 124.7499 765.9999 cm 0 0 m 0 -42.25 l 0.75 -41.5 l 0.75 0 l h f Q 0.502 g q 1 0 0 1 441.9999 765.9999 cm 0 0 m 0 -41.5 l 0.75 -42.25 l 0.75 0 l h f Q q 10 36 592 730 re W n 0.173 g q 1 0 0 1 443.5 767.25 cm 0 0 m 0.75 -0.75 l 150 -0.75 l 150.75 0 l h f* Q Q q 1 0 0 1 444.2499 724.5 cm 0 0 m -0.75 -0.75 l 150 -0.75 l 149.25 0 l h f Q 0.173 g q 1 0 0 1 443.5002 765.9999 cm 0 0 m 0 -42.25 l 0.75 -41.5 l 0.75 0 l h f Q 0.502 g q 1 0 0 1 593.4996 765.9999 cm 0 0 m 0 -41.5 l 0.751 -42.25 l 0.751 0 l h f Q /Article <>BDC EMC /Article <>BDC q 10 36 592 730 re W n BT 0 g 12 0 0 12 19 755.25 Tm (\266 1.h. $9,396)Tj ET Q BT 0 g 12 0 0 12 19 741.75 Tm (delinquent credit)Tj 0 -1.125 TD (card balance)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 126.25 755.25 Tm (MasterCard opened May 97, high credit $11,134, last activity)Tj ET Q BT 12 0 0 12 126.25 741.75 Tm (Dec)Tj /Span<>> BDC ( )Tj EMC (02; listed as $9,396 balance on Oct 03 bankruptcy)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 445 755.25 Tm (No payments. admits incurred)Tj ET Q BT 12 0 0 12 445 741.75 Tm (debt but contends no longer)Tj T* (responsible)Tj -35.75 -2.375 Td (On October 17, 2003, Applicant filed an individual petition for bankrupt\ cy under Chapter 7, seeking discharge of)Tj T* ($42,586 in unsecured debt. He did not include his debt owed on revolving\ charge)Tj /Span<>> BDC ( )Tj EMC 32.77 0 Td (accounts with retailers as he planned)Tj -32.77 -1.125 Td (to pay them off. He listed $97,500 in secured debt, the balance of his m\ ortgage loan, but indicated he would retain the)Tj T* (property and continue regular payments on)Tj /Span<>> BDC ( )Tj EMC 17.439 0 Td (his mortgage.)Tj -17.439 -2.125 Td (On November 3, 2003, Applicant completed a security clearance applicatio\ n \(SF 86\). In response to financial record)Tj T* (inquiries, Applicant listed his October 17, 2003, bankruptcy filing in r\ esponse to)Tj /Span<>> BDC ( )Tj EMC 32.467 0 Td (question 33 \(any bankruptcy filing in)Tj -32.467 -1.125 Td (the last 7 years\), but responded "No" to questions 38 \("In the last 7 \ years, have you been over 180 days delinquent on)Tj T* (any debt\(s\)?"\), and 39 \("Are you currently)Tj /Span<>> BDC ( )Tj EMC 17.199 0 Td (over 90 days delinquent on any debt\(s\)?"\). By listing the bankruptcy,\ he)Tj -17.199 -1.125 Td (figured it covered the delinquent debts and he was not late on his other\ obligations, such as his mortgage \("I'm saying by)Tj T* (filing)Tj /Span<>> BDC ( )Tj EMC 2.417 0 Td (bankruptcy, okay? I have to be delinquent on my, to file bankruptcy, rig\ ht? So I thought the question might have)Tj -2.417 -1.125 Td (meant since you filed bankruptcy, have you been late on your mortgage? H\ ave you been)Tj /Span<>> BDC ( )Tj EMC 35.599 0 Td (late on any bills?" Tr. 73\).)Tj -35.599 -2.125 Td (Applicant subsequently moved to dismiss his Chapter 7 case as no declara\ tion of homestead had been filed with the)Tj T* (registry of deeds before the filing of his Chapter 7 petition. On Novemb\ er 24, 2003,)Tj /Span<>> BDC ( )Tj EMC 33.77 0 Td (the trustee objected on the basis that)Tj -33.77 -1.125 Td (Applicant and his spouse had $132,500 in equity in their residence, and \ that Applicant's share \($66,250\) even with the)Tj T* (federal exemption of $17,425, would be)Tj /Span<>> BDC ( )Tj EMC 16.273 0 Td (sufficient to pay the $42,586 in unsecured debt. On December 31, 2003,)Tj -16.273 -1.125 Td (Applicant countered that he had relied in good faith that counsel for hi\ s spouse had filed the declaration of homestead at)Tj T* (the time)Tj /Span<>> BDC ( )Tj EMC 3.499 0 Td (of his spouse's Chapter 7 bankruptcy. On January 6, 2004, his Chapter 7 \ bankruptcy was dismissed.)Tj -3.499 -2.125 Td (Applicant took no effort to inform his creditors of the dismissal or to \ pay the balances owed as he instead waited for the)Tj T* (creditors to contact him. One creditor to whom he owed about $12,000 con\ tacted)Tj /Span<>> BDC ( )Tj EMC 32.685 0 Td (him and offered to settle for $4,000.)Tj -32.685 -1.125 Td (Applicant did not accept the offer as he was planning to refile for bank\ ruptcy and figured his credit was ruined.)Tj T* (Sometime in 2004, he quit his part-time newspaper)Tj /Span<>> BDC ( )Tj EMC 20.69 0 Td (carrier job as he was tired of working seven days a week.)Tj -20.69 -2.125 Td (On November 12, 2004, Applicant was interviewed by a special investigato\ r for the Office of Personnel Management)Tj T* (\(OPM\) investigations service about his October 2003 bankruptcy. He exp\ lained he)Tj /Span<>> BDC ( )Tj EMC 33.325 0 Td (had become financially overextended)Tj -33.325 -1.125 Td (on consumer credit. He claimed he had never missed a payment until three\ to four months before his October 2003)Tj T* (filing for bankruptcy, when he sought discharge)Tj /Span<>> BDC ( )Tj EMC 19.439 0 Td (of $42,586 in consumer credit debt. Concerning the dismissal of his)Tj -19.439 -1.125 Td (bankruptcy, Applicant averred his lawyer had not realized they had not f\ iled a homestead declaration to prevent his)Tj T* (home from being)Tj /Span<>> BDC ( )Tj EMC 7.137 0 Td (included in the bankruptcy. He was still delinquent on those debts inclu\ ded in the bankruptcy as he)Tj -7.137 -1.125 Td (intended to refile for bankruptcy within the next year. Applicant denied\ any use of a credit card since)Tj /Span<>> BDC ( )Tj EMC 40.679 0 Td (October 2003, and)Tj -40.679 -1.125 Td (indicated he was up to date on all his other accounts. Applicant reporte\ d a net monthly remainder of $1,485 after)Tj T* (payment of living expenses and three small retail revolving charge)Tj /Span<>> BDC ( )Tj EMC 26.88 0 Td (debts that he had not included in his bankruptcy)Tj -26.88 -1.125 Td (filing.)Tj 0 -2.125 TD (A check of Applicant's credit on November 29, 2005, showed an outstandin\ g revolving charge debt totaling $11,956)Tj 0 -1.125 TD (\($106 on \266 1.a., $274 to the warehouse club, and $11,576 on \266 1.b\ .\) The creditors)Tj /Span<>> BDC ( )Tj EMC 32.76 0 Td (owed the unsecured debt included in)Tj -32.76 -1.125 Td (the bankruptcy reported zero balances. Applicant had reported balances o\ f $82,240 on his primary mortgage. He also)Tj T* (owed $30,646 on a line of credit he had taken)Tj /Span<>> BDC ( )Tj EMC 18.522 0 Td (out in June 2005.)Tj -18.522 -2.125 Td (In early April 2006, Applicant contacted the creditor in \266 1.b. and e\ xpressed his desire to settle the debt. He was)Tj T* (apprized that due to interest, the balance had risen to $17,000. He also\ claimed he)Tj /Span<>> BDC ( )Tj EMC 32.933 0 Td (contacted the creditor in \266 1.d., who)Tj -32.933 -1.125 Td (told him the "account had been discharged" because of his bankruptcy.)Tj 0 -2.125 TD (By April 2006, Applicant had not refiled for bankruptcy. When asked at h\ is hearing about )Tj 36.24 0 Td (his reasons for not filing,)Tj -36.24 -1.125 Td (Applicant responded:)Tj T* (Well I think because I've never got contacted and I was aware that, you \ know, I'm thinking that the credit card company)Tj 0 -1.125 TD (would come after me somehow and say, you know, give it to a collection a\ gency)Tj /Span<>> BDC ( )Tj EMC 32.574 0 Td (or whatever they do. 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BDC ( )Tj EMC 32.21 0 Td (and he wanted to keep his home.)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (Applicant attributed his negative responses to the financial delinquency\ inquiries on his SF 86 because he was in)Tj 0 -1.125 TD (bankruptcy when the application was filed and he)Tj /Span<>> BDC ( )Tj EMC 20.104 0 Td (thought his debts had therefore been discharged.)Tj -20.104 -2.125 Td (Applicant's admissions to unpaid delinquent debt and to the Chapter 7 ba\ nkruptcy filing and dismissal are incorporated)Tj T* (as findings of fact. After a thorough review of the evidence, I make the\ following)Tj /Span<>> BDC ( )Tj EMC 32.794 0 Td (additional findings:)Tj -32.794 -2.125 Td (Applicant is a 57-year-old equipment technician \(mechanic\) who has wor\ ked for the same contractor since May 1974.)Tj T* (He seeks to retain the security clearance he has held for 32 years.)Tj 0 -2.125 TD (In the early 1980s, Applicant's spouse was a vice president of a small b\ ank that went public. Applicant and his spouse)Tj 0 -1.125 TD (took an unsecured loan of $50,000 that they invested in the financial in\ stitution.)Tj /Span<>> BDC ( )Tj EMC 32.188 0 Td (The bank failed in about 1987, and)Tj -32.188 -1.125 Td (Applicant's spouse lost her job. She managed to find another job, but ea\ rned about $20,000 less per year. In February)Tj 0 -1.375 TD (1992, Applicant and his spouse refinanced their)Tj /Span<>> BDC ( )Tj EMC 19.328 0 Td (home, taking $38,000 to settle the $50,000 loan.)Tj 0 0 0.933 rg 9.75 0 0 9.75 479.5703 585.75 Tm ( \(2\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 479.5703 585 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 16 555.75 Tm (Applicant began accumulating credit card debt of his own. In about 1998,\ his spouse told him that they had to file for)Tj 0 -1.125 TD (bankruptcy. Applicant refused, so she filed a Chapter 7 bankruptcy indiv\ idually on)Tj /Span<>> BDC ( )Tj EMC 33.38 0 Td (August 6, 1998. Applicant's spouse)Tj -33.38 -1.125 Td (signed a declaration of homestead at that time which they assumed had be\ en filed.)Tj 0 -2.125 TD (In February 1999, Applicant took on a second job as a newspaper carrier.\ On joint income of $77,830 in 2000 and)Tj 0 -1.125 TD ($82,119 in 2001, Applicant managed to make at least the minimum payments\ , but)Tj /Span<>> BDC ( )Tj EMC 33.049 0 Td (made little progress toward paying)Tj -33.049 -1.125 Td (off his account balances because of the extent of his debt and financial\ support for his daughters and two grandchildren.)Tj T* (Both of his daughters are young unwed)Tj /Span<>> BDC ( )Tj EMC 15.969 0 Td (mothers who receive little support from the fathers of their children. A\ pplicant)Tj -15.969 -1.375 Td (eventually contacted legal counsel about a possible debt consolidation.)Tj 0 0 0.933 rg 9.75 0 0 9.75 355.5684 450.75 Tm ( \(3\))Tj ET q 1 0 0 1 355.5684 450 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 369.3745 446.25 Tm ( The attorney recommended bankruptcy. In)Tj -29.448 -1.125 Td (anticipation of the bankruptcy filing, Applicant subsequently stopped pa\ ying on several accounts while he remained)Tj T* (current on credit accounts opened with a department store retailer, a ho\ me)Tj /Span<>> BDC ( )Tj EMC 29.904 0 Td (improvement retailer, and a warehouse club)Tj -29.904 -1.125 Td (\(balance $1,577 as of January 2004\), as well as in his mortgage. 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