%PDF-1.6 % 1 0 obj <> endobj 2 0 obj <>stream 2021-07-02T15:52:32-04:00 2021-07-02T15:52:31-04:00 2021-07-02T15:52:32-04:00 Adobe Acrobat 17.0 application/pdf 05-17625.h1 uuid:eb2563be-a60e-41fb-bcdc-13e834677bcc uuid:5daa6352-3502-4b36-9db3-08b123f220ca 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 22 0 obj <>>> endobj 23 0 obj <> endobj 24 0 obj <> endobj 26 0 obj [25 0 R 25 0 R] endobj 27 0 obj [25 0 R 25 0 R] endobj 28 0 obj [25 0 R 25 0 R] endobj 29 0 obj [25 0 R 25 0 R] endobj 30 0 obj [25 0 R 25 0 R] endobj 31 0 obj [25 0 R 25 0 R] endobj 32 0 obj [25 0 R 25 0 R] endobj 33 0 obj [25 0 R 25 0 R] endobj 34 0 obj [25 0 R 25 0 R] endobj 25 0 obj <><><><><><><><><><><><><><><><>]/P 23 0 R/Pg 13 0 R/S/Article>> endobj 13 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 0/Type/Page>> endobj 35 0 obj [42 0 R 43 0 R] endobj 36 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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: October 25, 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. 05-17625)Tj /TT1 1 Tf 14.419 -2.125 Td (DECISION OF ADMINISTRATIVE JUDGE)Tj 3.223 -2.125 Td (CAROL G. RICCIARDELLO)Tj 11.25 0 0 11.25 263.9979 525 Tm (APPEARANCES)Tj ET 0.75 w q 1 0 0 1 263.9979 524.25 cm 0 0 m 83.754 0 l h S Q BT 11.25 0 0 11.25 251.0312 500.25 Tm (FOR GOVERNMENT)Tj /TT0 1 Tf -2.749 -2.2 Td (Ray Blank, Esq., Department Counsel)Tj /TT1 1 Tf 3.527 -2.2 Td (FOR APPLICANT)Tj /TT2 1 Tf 2.75 -2.2 Td (Pro Se)Tj /TT1 1 Tf 12 0 0 12 276.5312 400.5 Tm (SYNOPSIS)Tj ET q 1 0 0 1 276.5312 399.75 cm 0 0 m 58.688 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 375 Tm (Applicant is 53 years old and has worked for his current employer, a fed\ eral contractor since 2003. He started to have)Tj 0 -1.125 TD (financial problems when he and his wife had serious medical issues and h\ e had)Tj /Span<>> BDC ( )Tj EMC 31.88 0 Td (a period of unemployment. He has)Tj -31.88 -1.125 Td (regained his health and has been back at work since 2003. He disputes ma\ ny of his debts, but has not resolved them. He)Tj T* (claimed he did not know his debts were)Tj /Span<>> BDC ( )Tj EMC 16.107 0 Td (delinquent, but the evidence is to the contrary. He told people he worke\ d with)Tj -16.107 -1.125 Td (on a military base that he had served in the military when he did not. H\ e has been given written warnings on two)Tj T* (occasions by his employer for violating company policies and lying. Appl\ icant failed to mitigate the security concerns)Tj T* (under Guideline F, financial considerations, Guideline E, personal condu\ ct,)Tj /Span<>> BDC ( )Tj EMC 30.408 0 Td (and Guideline J, criminal conduct.)Tj -30.408 -1.125 Td (Clearance is denied.)Tj /TT1 1 Tf 17.558 -2.125 Td (STATEMENT OF THE CASE)Tj ET q 1 0 0 1 226.6914 254.25 cm 0 0 m 158.367 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 229.5 Tm (The Defense Office of Hearings and Appeals \(DOHA\) declined to grant or\ continue a security clearance for Applicant.)Tj 0 -1.375 TD (On February 16, 2006,)Tj ( under the applicable Executive Order)Tj 0 0 0.933 rg 9.75 0 0 9.75 307.2344 217.5 Tm ( \(1\))Tj ET 0 0 0.933 RG q 1 0 0 1 307.2344 216.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 321.0405 213 Tm ( and)Tj /Span<>> BDC ( )Tj EMC (Department of Defense Directive,)Tj 0 0 0.933 rg 9.75 0 0 9.75 506.9585 217.5 Tm ( \(2\))Tj ET q 1 0 0 1 506.9585 216.75 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 520.7646 213 Tm ( DOHA issued)Tj -42.064 -1.125 Td (a Statement of Reasons \(SOR\), detailing the basis for its decision-sec\ urity concerns raised under )Tj 38.851 0 Td (Guideline F, \(financial)Tj -38.851 -1.125 Td (considerations\),)Tj /Span<>> BDC ( )Tj EMC 6.609 0 Td (Guideline E \(personal conduct\) and Guideline J \(criminal conduct\) of\ the Directive. Applicant)Tj -6.609 -1.125 Td (answered the SOR in writing on)Tj 12.859 0 Td ( )Tj (April 10, 2006)Tj (, and elected to have a hearing before an administrative)Tj /Span<>> BDC ( )Tj EMC 28.462 0 Td (judge. In his)Tj -41.321 -1.125 Td (Answer, Applicant admitted allegations under \266\266 1.b, 1.c, 1.e, 1.f\ , 1.h, 1.i, 1.j, and 2.c-2.f. He denied the allegations in)Tj 0 -1.125 TD (SOR \266\266 1.a, 1.d, 1.k, 2. a, 2.b and 3.a. He failed to respond to)Tj /Span<>> BDC ( )Tj EMC 24.791 0 Td (allegation \266 1.g. )Tj 6.646 0 Td (The case was assigned to another judge)Tj -31.437 -1.125 Td (on August 24, 2006, and reassigned to me on August 28, 2006. )Tj 25.442 0 Td (A notice of hearing was issued on August 29, 2006,)Tj -25.442 -1.125 Td (scheduling the hearing)Tj /Span<>> BDC ( )Tj EMC 9.303 0 Td (for )Tj (September 12, 2006. )Tj 9.942 0 Td (Applicant agreed to proceed with the hearing on the scheduled date and)Tj -19.245 -1.125 Td (I conducted the hearing as scheduled to consider whether it is clearly c\ onsistent with the national)Tj /Span<>> BDC ( )Tj EMC 39.043 0 Td (interest to grant or)Tj -39.043 -1.125 Td (continue a security clearance. The Government offered four exhibits for \ admission in the record and marked as)Tj T* (Government Exhibits \(GE\) 1-4. The exhibits were admitted into)Tj /Span<>> BDC ( )Tj EMC 25.883 0 Td (evidence without objection. The Government had one)Tj -25.883 -1.125 Td (witness who testified. 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Aug. 10, 1995\); Directive, Encl\ osure 3, \266 E3.1.15.)Tj ET Q BT 0 g 12 0 0 12 16 729.75 Tm (27. )Tj (ISCR Case No. 93-1390 at 7-8 \(App. Bd. Jan. 27, 1995\); Directive, Encl\ osure 3, \266 E3.1.15.)Tj 0 -2.125 TD (28. )Tj /TT1 1 Tf (Egan)Tj /TT0 1 Tf (, 484 U.S. at 531.)Tj T* (29. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (.)Tj T* (30. )Tj /TT1 1 Tf (Id)Tj /TT0 1 Tf (.; Directive, Enclosure 2, \266 E2.2.2.)Tj T* (31. )Tj (Executive Order 10865 \247 7.)Tj T* (32. )Tj (ISCR Case No. 02-02116 at 4 \(App. Bd. Sep. 25, 2003\).)Tj T* (33. )Tj (ISCR Case No. 01-06870, 2002 WL 32114535 \(App. Bd. Sep. 13, 2002\).)Tj ET EMC endstream endobj 20 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 7/Type/Page>> endobj 54 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC BT /Article <>BDC 0 g 12 0 0 12 16 747 Tm (2. )Tj (Department of Defense Directive 5220.6, )Tj /TT1 1 Tf 17.799 0 Td (Defense Industrial Personnel Security Clearance Review Program )Tj /TT0 1 Tf 26.911 0 Td (\(Jan. 2,)Tj -44.71 -1.125 Td (1992\), as amended and modified.)Tj 0 -2.125 TD (3. )Tj (Applicant did not provide any information as to what date he actually ac\ tivated the credit protection plan nor did he)Tj 0 -1.125 TD (provide a copy of his application. However, AE I and K are the credit ca\ rd)Tj /Span<>> BDC ( )Tj EMC 30.072 0 Td (brochures outlining the details of the plans.)Tj -30.072 -2.125 Td (4. )Tj (AE I and K.)Tj 0 -2.125 TD (5. )Tj (AE I specifically states in paragraph 1 that it is not an insurance poli\ cy and will not pay any of the debtor's balances.)Tj 0 -1.125 TD (In addition, it states when the credit protection ends, the debtor must \ start)Tj /Span<>> BDC ( )Tj EMC 29.632 0 Td (making minimum payments. AE K paragraph)Tj -29.632 -1.125 Td (2 states that during the deferment that the debtor is not required to ma\ ke minimum monthly payments. It also states that)Tj T* (the plan does NOT pay off any)Tj /Span<>> BDC ( )Tj EMC 12.635 0 Td (part of the account balance, and once the deferment ends the debtor must\ make the)Tj -12.635 -1.125 Td (minimum monthly payments.)Tj 0 -2.125 TD (6. )Tj (It is unknown exactly when the credit protection started and when it end\ ed. It is unknown how Applicant notified the)Tj 0 -1.125 TD (companies and when and how often he updated his status.)Tj 0 -2.125 TD (7. )Tj (AE G.)Tj T* (8. )Tj (AE E.)Tj T* (9. )Tj (AE E, F and G.)Tj T* (10. )Tj (AE F.)Tj T* (11. )Tj (AE C, his response was to Questions 38 and 39 of the application.)Tj T* (12. )Tj (Answer \(letter from Creditor A, dated January 27, 2004\).)Tj T* (13. )Tj /TT1 1 Tf (Id.)Tj /TT0 1 Tf T* (14. )Tj (Answer \(letter from Creditor B, dated January 27, 2004\).)Tj T* (15. )Tj (Tr. 25.)Tj T* (16. )Tj /TT1 1 Tf (Id.)Tj /TT0 1 Tf T* (17. )Tj (Tr. 26.)Tj T* (18. )Tj (Tr. 24.)Tj T* (19. )Tj (Tr. 24.)Tj T* (20. )Tj (I have not considered Applicant's statement to his civilian co-employee \ for disqualifying purposes, but have)Tj 0 -1.125 TD (considered it when analyzing the "whole person" and whether it constitut\ es a)Tj /Span<>> BDC ( )Tj EMC 31.03 0 Td (continuing pattern of dishonesty.)Tj -31.03 -2.125 Td (21. )Tj (Tr. 76.)Tj 0 -2.125 TD (22. )Tj (Tr. 76.)Tj T* (23. )Tj (ISCR Case No. 96-0277 at 2 \(App. Bd. Jul. 11, 1997\).)Tj T* (24. )Tj (ISCR Case No. 97-0016 at 3 \(App. Bd. Dec. 31, 1997\); Directive, Enclos\ ure 3, \266 E3.1.14.)Tj T* (25. )Tj /TT1 1 Tf (Department of the Navy v. Egan)Tj /TT0 1 Tf 14.386 0 Td (, 484 U.S. 518, 531 \(1988\).)Tj EMC ET endstream endobj 19 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 6/Type/Page>> endobj 55 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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 (variables in considering the "whole)Tj /Span<>> BDC ( )Tj EMC 14.376 0 Td (person" concept. It recognizes that we should view a person by the total\ ity of their)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (acts, omissions, motivations and other variables. Each case must be adju\ dged on its own merits, taking into)Tj 0 -1.125 TD (consideration all relevant circumstances, and applying sound judgment, m\ ature thinking, and careful analysis.)Tj 0 -2.125 TD (I have also considered the following specific factors: the nature and se\ riousness of the conduct and surrounding)Tj 0 -1.125 TD (circumstances, to include knowledgeable participation; the frequency and\ recency of)Tj /Span<>> BDC ( )Tj EMC 34.125 0 Td (the conduct; the age and maturity)Tj -34.125 -1.125 Td (of the individual at the time of the conduct; the voluntariness of parti\ cipation; the absence or presence of rehabilitation)Tj T* (and other pertinent behavioral changes; the)Tj /Span<>> BDC ( )Tj EMC 17.493 0 Td (motivation for the conduct; the potential for pressure, coercion, exploi\ tation,)Tj -17.493 -1.125 Td (or duress; the likelihood of continuation or recurrence of the conduct.)Tj 0 -2.125 TD (I considered Applicant's serious health issues and those of his wife's a\ nd the impact it had on their finances. I took into)Tj 0 -1.125 TD (account his motivation for his misrepresentations, the frequency of his)Tj /Span<>> BDC ( )Tj EMC 28.41 0 Td (conduct, his attitude toward his debts, and what)Tj -28.41 -1.125 Td (he has done to resolve his disputes and delinquencies. I evaluated his d\ emeanor and credibility, and the likelihood of)Tj T* (recurring violations. Having)Tj /Span<>> BDC ( )Tj EMC 11.553 0 Td (considered all of the facts in light of the whole person, I conclude App\ licant failed to)Tj -11.553 -1.125 Td (mitigate the security concerns under Guideline F, financial consideratio\ ns, Guideline E, personal conduct, and)Tj /Span<>> BDC ( )Tj EMC 44.32 0 Td (Guideline)Tj -44.32 -1.125 Td (J, criminal conduct. )Tj 8.137 0 Td (Therefore, I am persuaded by the totality of the evidence in this case, \ that it is not clearly consistent)Tj -8.137 -1.125 Td (with the national interest to grant Applicant a security clearance.)Tj /Span<>> BDC ( )Tj EMC 26.073 0 Td (Accordingly, Guidelines F, E, and J are decided)Tj -26.073 -1.125 Td (against Applicant.)Tj /TT1 1 Tf 19.364 -2.125 Td (FORMAL FINDINGS)Tj ET 0.75 w q 1 0 0 1 248.374 502.5 cm 0 0 m 115.002 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 477.75 Tm (Formal Findings for or against Applicant on the allegations set forth in\ the SOR, as required by Section E3.1.25 of)Tj T* (Enclosure 3 of the Directive, are:)Tj 0 -2.125 TD (Paragraph 1. 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Or. 10865, )Tj /TT2 1 Tf (Safeguarding Classified Information within Industry )Tj /TT0 1 Tf 29.304 0 Td (\(Feb. 20, 1960\) as amended and modified.)Tj ET EMC endstream endobj 18 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 5/Type/Page>> endobj 56 0 obj [58 0 R] endobj 57 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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 (material if it would affect a final agency decision or, if incorrect, wo\ uld impede a thorough and complete investigation)Tj ET Q BT 0 g 12 0 0 12 16 738.75 Tm (of an applicant's background.)Tj 0 0 0.933 rg 9.75 0 0 9.75 156.7832 743.25 Tm ( \(33\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 156.7832 742.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 175.4644 738.75 Tm ( An applicant's financial history is a matter)Tj /Span<>> BDC ( )Tj EMC 17.397 0 Td (that could affect a final agency decision on)Tj -30.686 -1.125 Td (whether to grant the applicant a clearance, and an applicant's failure t\ o disclose it would impede a thorough)Tj 0 -1.125 TD (investigation of her background.)Tj 12.997 0 Td ( Based on)Tj /Span<>> BDC ( )Tj EMC (the above facts and Applicant's )Tj 16.897 0 Td (evasive answers, I conclude he intentionally)Tj -29.894 -1.125 Td (did not reflect his true and accurate financial situation on his SCA and\ PC DC E2.A5.1.2.2 applies in this case.)Tj 0 -2.125 TD (I have considered PC DC E2.A5.1.2.1 \()Tj /TT1 1 Tf (Reliable, unfavorable information provided by associates, employees,)Tj 0 -1.125 TD (coworkers, neighbors, and other acquaintances\), )Tj /TT0 1 Tf 19.886 0 Td (PC DC E2.A5.1.2.4 \()Tj /TT1 1 Tf (Personal)Tj /Span<>> BDC ( )Tj EMC (Conduct or concealment of information)Tj -19.886 -1.125 Td (that increases an individual's vulnerability to coercion, exploitation o\ r duress, such as engaging in activities which, if)Tj T* (known, may affect the person's)Tj /Span<>> BDC ( )Tj EMC 12.545 0 Td (personal, professional, or community standing or render the person susce\ ptible to)Tj -12.545 -1.125 Td (blackmail)Tj /TT0 1 Tf 3.943 0 Td (\), and PC DC E2.A5.1.2.5 \()Tj /TT1 1 Tf (A pattern of dishonesty or rule violations)Tj /TT0 1 Tf 27.499 0 Td (\) and find they apply. Applicant)Tj -31.442 -1.125 Td (intentionally mislead coworkers both associated and not associated with \ the military to believe that he had served in the)Tj T* (military. )Tj 3.666 0 Td (This is an honor reserved only for those who made the sacrifice of)Tj /Span<>> BDC ( )Tj EMC 26.742 0 Td (service to their country. Applicant wanted to)Tj -30.408 -1.125 Td (be held in higher regard and therefore lied. He also willingly broke rul\ es and received written warnings about violating)Tj T* (company policy. He believed)Tj /Span<>> BDC ( )Tj EMC 11.968 0 Td (because the command was eventually pleased with his result that his viol\ ations were)Tj -11.968 -1.125 Td (justified.)Tj 0 -2.125 TD (I considered all of the mitigating conditions and especially considered \ Personal Conduct Mitigating Condition \(PC MC\))Tj 0 -1.125 TD (E2.A5.1.3.2 \()Tj /TT1 1 Tf (The falsification was an isolated incident, was not recent, and)Tj /Span<>> BDC ( )Tj EMC 30.47 0 Td (the individual has subsequently provided)Tj -30.47 -1.125 Td (correct information voluntarily)Tj /TT0 1 Tf 12.499 0 Td (\), PC MC E2.A5.1.3.3 \()Tj /TT1 1 Tf (The individual made prompt, good-faith efforts to correct the)Tj -12.499 -1.125 Td (falsification before being confronted)Tj /Span<>> BDC ( )Tj EMC 14.887 0 Td (with the facts\), )Tj /TT0 1 Tf 6.166 0 Td (and PC MC E2.A5.1.3.5 \()Tj /TT1 1 Tf (The individual has taken positive steps to)Tj -21.053 -1.125 Td (significantly reduce or eliminate vulnerability to coercion, exploitatio\ n, or duress\). )Tj /TT0 1 Tf 33.521 0 Td (There is no evidence to)Tj /Span<>> BDC ( )Tj EMC 9.58 0 Td (support an)Tj -43.101 -1.125 Td (effort by Applicant to correct the falsifications before being confronte\ d with the facts or that he took steps to reduce his)Tj T* (vulnerability. Applicant's answers on his SCA regarding his debts)Tj /Span<>> BDC ( )Tj EMC 26.565 0 Td (were deliberate falsifications made with the intent to)Tj -26.565 -1.125 Td (mislead and his testimony regarding this matter was not credible. He als\ o intentionally mislead his coworkers into)Tj T* (believing that he had served)Tj /Span<>> BDC ( )Tj EMC 11.468 0 Td (in the military and one person that he was a wounded Vietnam Veteran. He\ never went)Tj -11.468 -1.125 Td (back and told his coworkers that he had lied. )Tj 18.106 0 Td (The totality of these incidents reflect a pattern of dishonesty and)Tj /Span<>> BDC ( )Tj EMC 25.964 0 Td (rule)Tj -44.07 -1.125 Td (violations. This type of conduct is a serious concern because Applicant \ has shown he is willing to take liberties with the)Tj T* (truth and disregard rules when it benefits him. He also displays a simil\ ar)Tj /Span<>> BDC ( )Tj EMC 29.216 0 Td (attitude regarding his finances, that is, he wants)Tj -29.216 -1.125 Td (to decide what rules he will follow and not follow. When dealing with na\ tional security such conduct and attitude are)Tj T* (unacceptable risks. )Tj 7.858 0 Td (None of the)Tj /Span<>> BDC ( )Tj EMC (personal conduct mitigating conditions apply.)Tj -7.858 -2.125 Td (Based on all the evidence, Criminal Conduct Disqualifying Condition \(CC\ DC\) E2.A10.1.2.1 )Tj /TT1 1 Tf 37.634 0 Td (\(Allegations or)Tj -37.634 -1.125 Td (admissions of criminal conduct, regardless of whether the person was for\ mally)Tj /Span<>> BDC ( )Tj EMC 31.888 0 Td (charged\))Tj /TT0 1 Tf (, and CC DC E2.A10.1.2.2 \()Tj /TT1 1 Tf (A)Tj -31.888 -1.125 Td (single serious crime or multiple lesser offenses\), )Tj /TT0 1 Tf 19.609 0 Td (apply. Applicant intentionally and deliberately lied on his SCA, a)Tj -19.609 -1.125 Td (violation of Title 18 U.S.C.\247 1001, a)Tj /Span<>> BDC ( )Tj EMC 14.916 0 Td (felony.)Tj -14.916 -2.125 Td (I have considered all of the mitigating conditions and especially consid\ ered Criminal Conduct Mitigating Condition \(CC)Tj T* (MC\) E2.A10.1.3.1 \()Tj /TT1 1 Tf (The criminal conduct was not recent\))Tj /TT0 1 Tf 23.025 0 Td (, CC MC)Tj /Span<>> BDC ( )Tj EMC (E2.A10.1.3.2 \()Tj /TT1 1 Tf (The crime was an isolated incident\))Tj /TT0 1 Tf -23.025 -1.125 Td (CC MC E2.A10.1.3.4 \()Tj /TT1 1 Tf (The person did not voluntarily commit the act and /or factors leading to\ the violation are not)Tj T* (likely to recur\))Tj /TT0 1 Tf 5.942 0 Td (, and CC MC)Tj /Span<>> BDC ( )Tj EMC (E2.A10.1.3.6 \()Tj /TT1 1 Tf (There is clear evidence of successful rehabilitation)Tj /TT0 1 Tf 31.884 0 Td (\))Tj /TT1 1 Tf (. )Tj /TT0 1 Tf (Applicant's conduct is)Tj -37.826 -1.125 Td (recent in that he deliberately omitted relevant information on his SCA a\ nd provided testimony at his hearing that was)Tj T* (not credible. Therefore, CC MC E2.A10.1.3.1 and E2.A10.1.3.2 do not appl\ y. There is no evidence that his actions were)Tj T* (committed involuntarily. Applicant admits he made a mistake in claiming \ he had served in the military. However, with)Tj T* (regard to his rules violations, he exhibits an attitude that the "ends j\ ustify the means." Due to a pattern of dishonesty, I)Tj T* (am not)Tj /Span<>> BDC ( )Tj EMC 3 0 Td (confident that the conduct will not likely recur. Applicant's testimony \ also raises credibility issues, and therefore,)Tj -3 -1.125 Td (I conclude that although he admits some of his transgressions, it is ins\ ufficient)Tj /Span<>> BDC ( )Tj EMC 31.605 0 Td (evidence of successful rehabilitation.)Tj -31.605 -1.125 Td (None of the mitigating conditions apply.)Tj /TT2 1 Tf 0 -2.125 TD (The Whole Person Analysis)Tj /TT0 1 Tf T* (In all adjudications, the protection of our national security is the par\ amount concern. The objective of the security-)Tj 0 -1.125 TD (clearance process is the fair-minded, commonsense assessment of a person\ 's life to)Tj /Span<>> BDC ( )Tj EMC 33.364 0 Td (make an affirmative determination)Tj -33.364 -1.125 Td (that the person is eligible for a security clearance. Indeed, the adjudi\ cative process is a careful weighing of a number of)Tj ET EMC endstream endobj 58 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[156.0 741.0 174.0 752.0]/Subtype/Link/Type/Annot>> endobj 17 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 4/Type/Page>> endobj 59 0 obj [61 0 R] endobj 60 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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 (eligibility for access to the nation's secrets.)Tj ET Q BT 0 g 12 0 0 12 16 729.75 Tm (Conditions that could raise a security concern and may be disqualifying,\ as well as those which would mitigate security)Tj 0 -1.125 TD (concerns, pertaining to the adjudicative guidelines are set forth and di\ scussed)Tj /Span<>> BDC ( )Tj EMC 31.157 0 Td (in the conclusions below.)Tj /TT1 1 Tf -10.668 -2.125 Td (CONCLUSIONS)Tj ET 0.75 w q 1 0 0 1 261.8652 690 cm 0 0 m 88.02 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 665.25 Tm (I have carefully considered all the facts in evidence and the legal stan\ dards.)Tj 0 -2.125 TD (Based on all the evidence, Financial Considerations Disqualifying Condit\ ion \(FC DC\) E2.A6.1.2.1 \()Tj /TT2 1 Tf 40.133 0 Td (A history of not)Tj -40.133 -1.125 Td (meeting financial obligations\),)Tj /TT0 1 Tf 12.304 0 Td ( and FC DC E2.A6.1.2.3)Tj /TT2 1 Tf ( \(Inability or)Tj /Span<>> BDC ( )Tj EMC 15.25 0 Td (unwillingness to satisfy debts)Tj /TT0 1 Tf 11.695 0 Td (\),)Tj /TT2 1 Tf ( )Tj /TT0 1 Tf (apply in this case.)Tj -39.249 -1.125 Td (Applicant had a significant amount of debt that he has accumulated over \ a long period of time. He is not willing to pay)Tj 0 -1.125 TD (them, unless payments are)Tj /Span<>> BDC ( )Tj EMC 10.803 0 Td (made in accordance with his terms and conditions, otherwise he intends t\ o wait for the debt)Tj -10.803 -1.125 Td (to drop off his credit report.)Tj 0 -2.125 TD (I have considered all of the Financial Considerations Mitigating Conditi\ ons \(FC MC\), and especially considered FC MC)Tj 0 -1.125 TD (E2.A6.1.3.1 \()Tj /TT2 1 Tf (The behavior was not recent\), )Tj /TT0 1 Tf 17.636 0 Td (FC MC E2.A6.1.3.2 \()Tj /TT2 1 Tf (It was an)Tj /Span<>> BDC ( )Tj EMC (isolated incident\), )Tj /TT0 1 Tf 20.083 0 Td (FC MC E2.A6.1.3.3 \()Tj /TT2 1 Tf (The)Tj -37.719 -1.125 Td (conditions that resulted in the behavior were largely beyond the person'\ s control \(e.g., loss of employment, a business)Tj T* (downturn, unexpected medical)Tj /Span<>> BDC ( )Tj EMC 12.497 0 Td (emergency, or a death, divorce or separation\),)Tj /TT0 1 Tf 18.69 0 Td ( FC MC E2.A6.1.3.4 \()Tj /TT2 1 Tf (The person has)Tj -31.187 -1.125 Td (received or is receiving counseling for the problem and there are clear \ indications that the problem is being)Tj /Span<>> BDC ( )Tj EMC 43.603 0 Td (resolved or)Tj -43.603 -1.125 Td (is under control\), )Tj /TT0 1 Tf (and FC MC E2.A6.1.3.6 \()Tj /TT2 1 Tf (The individual initiated a good-faith effort to repay overdue creditors \ or)Tj T* (otherwise resolve debts\).)Tj /TT0 1 Tf 0 -2.125 TD (Applicant's debts are recent because they remain unpaid. He has numerous\ delinquent debts so his financial problems)Tj 0 -1.125 TD (are not isolated. Hence, FC MC E2.A6.1.3.1 and FC MC E2.A6.1.3.2 do not)Tj /Span<>> BDC ( )Tj EMC 30.859 0 Td (apply. Applicant's financial problems were)Tj -30.859 -1.125 Td (due to conditions beyond his control. Both he and his wife had serious m\ edical problems. She can no longer work and)Tj T* (he was unemployed and)Tj /Span<>> BDC ( )Tj EMC 9.886 0 Td (underemployed for a period of time. I find FC MC E2.A6.1.3.3 applies. Al\ though the)Tj -9.886 -1.125 Td (conditions were beyond his control, it is appropriate to consider whethe\ r he acted in a reasonable manner in)Tj /Span<>> BDC ( )Tj EMC 43.292 0 Td (handling his)Tj -43.292 -1.375 Td (financial difficulties.)Tj 0 0 0.933 rg 9.75 0 0 9.75 115.9609 387.75 Tm ( \(32\))Tj ET 0 0 0.933 RG q 1 0 0 1 115.9609 387 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 134.6421 383.25 Tm ( Applicant refused to deal with any collection agencies that have a legi\ timate claim. He)Tj -9.887 -1.125 Td (assumed all of his delinquent medical debts were paid and he has not)Tj /Span<>> BDC ( )Tj EMC 27.854 0 Td (made an effort to determine which ones were)Tj -27.854 -1.125 Td (released and which ones were not. Despite the specific language in the c\ redit protection plans he refuses to believe he)Tj T* (was required to make minimum)Tj /Span<>> BDC ( )Tj EMC 12.969 0 Td (monthly payments once his deferments ended, or to provide any contract s\ tating that he)Tj -12.969 -1.125 Td (did not have to pay his minimum payments once the deferments ceased. He \ does not intend to pay the)Tj /Span<>> BDC ( )Tj EMC 40.99 0 Td (creditors, but will)Tj -40.99 -1.125 Td (wait until the delinquent entries are removed from his credit report aft\ er the required number of years has lapsed.)Tj T* (Applicant has not made any legitimate attempt to pay his)Tj /Span<>> BDC ( )Tj EMC 23.05 0 Td (delinquent debts, even the smallest debt of $33. He claims he)Tj -23.05 -1.125 Td (does not have the money to pay them. I find Applicant has shown no indic\ ation that the problem is being resolved or is)Tj T* (under control,)Tj /Span<>> BDC ( )Tj EMC 5.859 0 Td (nor has he initiated a good faith effort to resolve the debts. Basically\ , he has decided what rules he will)Tj -5.859 -1.125 Td (play by, and if the creditors do not want to abide by his terms and cond\ itions he will not pay)Tj /Span<>> BDC ( )Tj EMC 37.132 0 Td (them. Therefore, I conclude)Tj -37.132 -1.125 Td (FC MC E2.A6. 1. 3.4 and FC MC E2.A6.1.3.6 do not apply.)Tj 0 -2.125 TD (At the time he completed the SCA Applicant was aware that he owed medica\ l debts because he knew he did not pay the)Tj 0 -1.125 TD (copays and deductibles. He was very evasive as to the date he applied fo\ r a)Tj /Span<>> BDC ( )Tj EMC 30.267 0 Td (financial hardship waiver. Whether he)Tj -30.267 -1.125 Td (received a financial hardship release is questionable, but if he did, he\ had a duty to determine what debts were included.)Tj T* (He has not provided any information)Tj /Span<>> BDC ( )Tj EMC 14.997 0 Td (to corroborate his assertions. He was also aware that the credit card co\ mpanies)Tj -14.997 -1.125 Td (considered his debts delinquent, as indicated by his refused to deal wit\ h collection companies. He did not provide any)Tj T* (evidence to show his deferrals extended beyond May 2004, and could not b\ ecause they would have only been deferred)Tj T* (for a maximum period of 24 months. Applicant knew when he filled out his\ )Tj /Span<>> BDC ( )Tj EMC 30.522 0 Td (December 2004 SCA that these issues were)Tj -30.522 -1.125 Td (in dispute and considered by the credit companies as delinquent.)Tj 0 -2.125 TD (The deliberate omission of relevant and material facts from a security c\ learance determination is a concern and may be)Tj 0 -1.125 TD (disqualifying under Personal Conduct Disqualifying Condition PC DC)Tj /Span<>> BDC ( )Tj EMC 28.499 0 Td (E2.A5.1.2.2 )Tj (\()Tj /TT2 1 Tf (The deliberate omission,)Tj -28.499 -1.125 Td (concealment, or falsification of relevant and material facts from any pe\ rsonnel security questionnaire, personal history)Tj T* (statement, or similar form used to)Tj /Span<>> BDC ( )Tj EMC (conduct investigations, determine employment qualifications, award benef\ its or)Tj T* (status, determine security clearance eligibility or trustworthiness, or \ aware fiduciary responsibilities)Tj /TT0 1 Tf 40.441 0 Td (\). )Tj (Information)Tj /Span<>> BDC ( )Tj EMC 5.859 0 Td (is)Tj ET EMC endstream endobj 61 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[116.0 385.0 134.0 396.0]/Subtype/Link/Type/Annot>> endobj 16 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 3/Type/Page>> endobj 62 0 obj [64 0 R 65 0 R 66 0 R 67 0 R 68 0 R 69 0 R 70 0 R 71 0 R 72 0 R 73 0 R 74 0 R 75 0 R] endobj 63 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 PM])Tj EMC ET 1 g 10 36 591.75 729.75 re f /Article <>BDC EMC /Article <>BDC BT 0 g 12 0 0 12 16 751.5 Tm (Vietnam veteran who was injured in combat.)Tj ET q 10 36 592 730 re W n BT 0 0 0.933 rg 9.75 0 0 9.75 231.6016 756 Tm ( \(20\))Tj ET Q 0 0 0.933 RG 0.75 w q 1 0 0 1 231.6016 755.25 cm 0 0 m 18.681 0 l h S Q BT 12 0 0 12 250.2827 751.5 Tm ( His misrepresentations were made to bolster his reputation and)Tj -19.524 -1.375 Td (credibility and "fit in" with his coworkers.)Tj 0 0 0.933 rg 9.75 0 0 9.75 218.7578 739.5 Tm ( \(21\))Tj ET q 1 0 0 1 218.7578 738.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 709.5 Tm (Applicant received a written warning on about August 23, 2004, from his \ employer for violating company policy. He)Tj 0 -1.125 TD (received another warning on October 1, 2004, for violation of company)Tj /Span<>> BDC ( )Tj EMC 28.852 0 Td (policies, rudeness to customers/coworkers, and)Tj -28.852 -1.125 Td (lying to a customer. He stated, "Yea, I was written up a couple times wi\ th NMCI for crossing over other companies)Tj T* (supposed territories, and things)Tj /Span<>> BDC ( )Tj EMC 12.748 0 Td (that I did to get a task done for the command. I don't deny that, but th\ e command)Tj -12.748 -1.375 Td (commended me for it afterwards.")Tj 0 0 0.933 rg 9.75 0 0 9.75 180.502 657 Tm ( \(22\))Tj ET q 1 0 0 1 180.502 656.25 cm 0 0 m 18.681 0 l h S Q BT 0 g /TT1 1 Tf 12 0 0 12 277.1992 627 Tm (POLICIES)Tj ET 0 G q 1 0 0 1 277.1992 626.25 cm 0 0 m 57.352 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 601.5 Tm (Enclosure 2 of the Directive sets forth adjudicative guidelines to be co\ nsidered in evaluating a person's eligibility to)Tj T* (hold a security clearance. Included in the guidelines are disqualifying \ conditions)Tj /Span<>> BDC ( )Tj EMC 32.434 0 Td (\(DC\) and mitigating conditions \(MC\))Tj -32.434 -1.125 Td (applicable to each specific guideline. Additionally, each security clear\ ance decision must be a fair and impartial)Tj T* (commonsense decision based on the relevant)Tj /Span<>> BDC ( )Tj EMC 18.217 0 Td (and material facts and circumstances, the whole-person concept, along)Tj -18.217 -1.125 Td (with the factors listed in the Directive. Specifically these are: \(1\) \ the nature and seriousness of the conduct and)Tj T* (surrounding)Tj /Span<>> BDC ( )Tj EMC (circumstances; \(2\) the frequency and recency of the conduct; \(3\) the\ age of the applicant; \(4\) the motivation)Tj T* (of the applicant, and the extent to which the conduct was negligent, wil\ lful, voluntary, or)Tj /Span<>> BDC ( )Tj EMC 35.796 0 Td (undertaken with knowledge of)Tj -35.796 -1.125 Td (the consequences; \(5\) the absence or presence of rehabilitation; and \(\ 6\) the probability that the circumstances or conduct)Tj T* (will continue or recur in the future. Although)Tj /Span<>> BDC ( )Tj EMC 18.301 0 Td (the presence or absence of a particular condition or factor for or again\ st)Tj -18.301 -1.125 Td (clearance is not outcome determinative, the adjudicative guidelines shou\ ld be followed whenever a case can be)Tj T* (measured)Tj /Span<>> BDC ( )Tj EMC 4.082 0 Td (against this policy guidance.)Tj -4.082 -2.125 Td (The sole purpose of a security clearance determination is to decide if i\ t is clearly consistent with the national interest to)Tj 0 -1.375 TD (grant or continue a security clearance for an applicant.)Tj 0 0 0.933 rg 9.75 0 0 9.75 276.8711 429 Tm ( \(23\))Tj ET 0 0 0.933 RG q 1 0 0 1 276.8711 428.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 295.5522 424.5 Tm ( The government has)Tj /Span<>> BDC ( )Tj EMC 8.664 0 Td (the burden of proving controverted)Tj -31.96 -1.375 Td (facts.)Tj 0 0 0.933 rg 9.75 0 0 9.75 41.6523 412.5 Tm ( \(24\))Tj ET q 1 0 0 1 41.6523 411.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 60.3335 408 Tm ( The burden of proof is something less than a preponderance of evidence.\ )Tj 0 0 0.933 rg 9.75 0 0 9.75 412.5464 412.5 Tm ( \(25\))Tj ET q 1 0 0 1 412.5464 411.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 431.2275 408 Tm ( Once the government has met its)Tj -34.602 -1.125 Td (burden, the burden shifts to an applicant to)Tj /Span<>> BDC ( )Tj EMC 17.357 0 Td (present evidence of refutation, extenuation, or mitigation to overcome t\ he)Tj -17.357 -1.375 Td (case against him.)Tj 0 0 0.933 rg 9.75 0 0 9.75 98.3066 382.5 Tm ( \(26\))Tj ET q 1 0 0 1 98.3066 381.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 116.9878 378 Tm ( Additionally, an applicant has the ultimate burden of persuasion to obt\ ain a favorable clearance)Tj -8.416 -1.375 Td (decision.)Tj 0 0 0.933 rg 9.75 0 0 9.75 58.9902 366 Tm ( \(27\))Tj ET q 1 0 0 1 58.9902 365.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 333 Tm (No one has a right to a security clearance)Tj 0 0 0.933 rg 9.75 0 0 9.75 213.9121 337.5 Tm ( \(28\))Tj ET q 1 0 0 1 213.9121 336.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 232.5933 333 Tm ( and "the clearly consistent standard indicates that security clearance)Tj -18.049 -1.375 Td (determinations should err, if they must, on the side of denials.")Tj 0 0 0.933 rg 9.75 0 0 9.75 317.8398 321 Tm ( \(29\))Tj ET q 1 0 0 1 317.8398 320.25 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 336.521 316.5 Tm ( Any reasonable)Tj /Span<>> BDC ( )Tj EMC (doubt about whether an applicant)Tj -26.71 -1.375 Td (should be allowed access to sensitive information must be resolved in fa\ vor of protecting such sensitive information.)Tj 0 0 0.933 rg 9.75 0 0 9.75 576.2031 304.5 Tm ( \(30\))Tj ET q 1 0 0 1 576.2031 303.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 286.5 Tm (The decision to deny an individual a)Tj /Span<>> BDC ( )Tj EMC 14.802 0 Td (security clearance is not necessarily a determination as to the loyalty \ of an)Tj -14.802 -1.375 Td (applicant.)Tj 0 0 0.933 rg 9.75 0 0 9.75 62.9805 274.5 Tm ( \(31\))Tj ET q 1 0 0 1 62.9805 273.75 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 81.6616 270 Tm ( It is merely an indication that the applicant has not met the strict gu\ idelines the President and the)Tj -5.472 -1.125 Td (Secretary of)Tj /Span<>> BDC ( )Tj EMC 5.108 0 Td (Defense have established for issuing a clearance.)Tj -5.108 -2.125 Td (Based upon consideration of the evidence, I find the following adjudicat\ ive guidelines most pertinent to the evaluation)Tj 0 -1.125 TD (of the facts in this case:)Tj 0 -2.125 TD (Guideline F-Financial Considerations-a security concern because an indiv\ idual who is financially overextended is at risk)Tj 0 -1.125 TD (of having to engage in illegal acts to generate funds. Unexplained afflu\ ence)Tj /Span<>> BDC ( )Tj EMC 30.46 0 Td (is often linked to proceeds from financially)Tj -30.46 -1.125 Td (profitable criminal acts. Similarly, an individual who is financially ir\ responsible may also be irresponsible,)Tj T* (unconcerned, or careless in their obligation to)Tj /Span<>> BDC ( )Tj EMC 18.549 0 Td (protect classified information. Behaving responsibly or irresponsibly in\ )Tj -18.549 -1.125 Td (one aspect of life provides an indication of how a person may behave in \ other aspects of life.)Tj 0 -2.125 TD (Guideline E-Personal Conduct is a security concern when an individual's \ conduct involves questionable judgment,)Tj 0 -1.125 TD (untrustworthiness, unreliability, lack of candor, dishonesty, or unwilli\ ngness to)Tj /Span<>> BDC ( )Tj EMC 31.912 0 Td (comply with rules and regulations that)Tj -31.912 -1.125 Td (could indicate that the person may not properly safeguard classified inf\ ormation.)Tj 0 -2.125 TD (Guideline J-Criminal Conduct is a security concern because a history or \ pattern of criminal activity creates doubt about)Tj 0 -1.125 TD (a person's judgment, reliability, and trustworthiness. Willingness to ab\ ide by)Tj /Span<>> BDC ( )Tj EMC 30.87 0 Td (rules is an essential qualification for)Tj ET EMC endstream endobj 64 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[231.0 753.0 249.0 764.0]/Subtype/Link/Type/Annot>> endobj 65 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[219.0 737.0 237.0 748.0]/Subtype/Link/Type/Annot>> endobj 66 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[180.0 654.0 198.0 665.0]/Subtype/Link/Type/Annot>> endobj 67 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[276.0 426.0 294.0 437.0]/Subtype/Link/Type/Annot>> endobj 68 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[42.0 410.0 60.0 421.0]/Subtype/Link/Type/Annot>> endobj 69 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[412.0 410.0 430.0 421.0]/Subtype/Link/Type/Annot>> endobj 70 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[98.0 380.0 116.0 391.0]/Subtype/Link/Type/Annot>> endobj 71 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[59.0 363.0 77.0 374.0]/Subtype/Link/Type/Annot>> endobj 72 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[213.0 335.0 231.0 346.0]/Subtype/Link/Type/Annot>> endobj 73 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[318.0 318.0 336.0 329.0]/Subtype/Link/Type/Annot>> endobj 74 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[576.0 302.0 594.0 313.0]/Subtype/Link/Type/Annot>> endobj 75 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[63.0 272.0 81.0 283.0]/Subtype/Link/Type/Annot>> endobj 15 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 2/Type/Page>> endobj 76 0 obj [78 0 R 79 0 R 80 0 R 81 0 R 82 0 R 83 0 R 84 0 R 85 0 R] endobj 77 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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 (not make any comments pertaining to his finances in the General Remarks \ section of Question 43. At that time,)Tj ET Q BT 0 g 12 0 0 12 16 741.75 Tm (Applicant minimally knew he had disputes with his credit card companies)Tj /Span<>> BDC ( )Tj EMC 29.854 0 Td (because he believed the collection companies)Tj -29.854 -1.125 Td (were harassing him. He provided one letter showing that his claim for de\ ferral of payments had been extended for two)Tj 0 -1.375 TD (months, February to March)Tj /Span<>> BDC ( )Tj EMC 11.192 0 Td (2004. No evidence was presented to show the deferral was extended beyond\ those dates.)Tj 0 0 0.933 rg 9.75 0 0 9.75 575.1719 716.25 Tm ( \(12\))Tj ET 0 0 0.933 RG 0.75 w q 1 0 0 1 575.1719 715.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 698.25 Tm (It recorded the "date of occurrence" as April 29, 2002, and the reason f\ or the deferral was involuntary)Tj /Span<>> BDC ( )Tj EMC 40.911 0 Td (unemployment. It)Tj -40.911 -1.125 Td (also states Applicant is required to advise the company immediately if t\ he "occurrence ends before the 2-month pre-)Tj T* (approved period is over.")Tj 0 0 0.933 rg 9.75 0 0 9.75 137.5293 672.75 Tm ( \(13\))Tj ET q 1 0 0 1 137.5293 672 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 156.2104 668.25 Tm ( No document was provided to)Tj /Span<>> BDC ( )Tj EMC 12.553 0 Td (show what date the "occurrence" ended. Applicant lists on)Tj -24.237 -1.125 Td (his March 17, 2003 SCA that he was employed by a federal contractor from\ December 6, 2002 to March 17, 2003. On)Tj 0 -1.125 TD (his December 16,)Tj /Span<>> BDC ( )Tj EMC 7.275 0 Td (2004 SCA he states he was employed with his current employer from Septem\ ber 3, 2003 to the)Tj -7.275 -1.125 Td (present. Another letter from a different credit card company also approv\ ed the activation of the credit)Tj /Span<>> BDC ( )Tj EMC 40.789 0 Td (protection plan)Tj -40.789 -1.125 Td (and extended it through May 2004. It further states: "When Credit Protec\ tion activation ends, you will be required to)Tj 0 -1.375 TD (make your minimum monthly payments . . .. ")Tj 0 0 0.933 rg 9.75 0 0 9.75 237.543 602.25 Tm ( \(14\))Tj ET q 1 0 0 1 237.543 601.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 256.2241 597.75 Tm ( No other)Tj /Span<>> BDC ( )Tj EMC (documents were provided to show that a credit protection)Tj -20.019 -1.125 Td (plan was extended beyond the above dates. No information was provided as\ to why Applicant was entitled to the credit)Tj 0 -1.125 TD (protection if he was)Tj /Span<>> BDC ( )Tj EMC 8.164 0 Td (employed. Despite Applicant's disputes regarding the terms of the credit\ protection programs, it is)Tj -8.164 -1.125 Td (clear that he was eventually required to pay the balances on his credit \ card debts, but has not done)Tj /Span<>> BDC ( )Tj EMC 39.431 0 Td (so.)Tj -39.431 -2.125 Td (I find at the time Applicant completed his SCA in March 2003 he was awar\ e he had medical debts he was unable to pay.)Tj T* (I find at the time Applicant filled out an updated SCA in December 2004 \ he)Tj /Span<>> BDC ( )Tj EMC 30.631 0 Td (was aware he had credit card debts that)Tj -30.631 -1.125 Td (were in dispute regarding their delinquency status. The documentation pr\ ovided, viewed in the light most favorable to)Tj T* (the Applicant, indicates that the)Tj /Span<>> BDC ( )Tj EMC 12.94 0 Td (payments on at least one credit card debt were deferred until May 2004, \ and on the)Tj -12.94 -1.125 Td (other until March 2004. There is nothing to show extensions beyond those\ dates. Applicant knew when he filled)Tj /Span<>> BDC ( )Tj EMC 45.102 0 Td (out his)Tj -45.102 -1.125 Td (December 2004 SCA that these credit card bills were in dispute and the c\ redit card company )Tj 37.265 0 Td (considered them)Tj -37.265 -1.125 Td (delinquent. Applicant intentionally did not list anything regarding thes\ e issues)Tj /Span<>> BDC ( )Tj EMC 31.522 0 Td (on his SCA. His testimony was not)Tj -31.522 -1.125 Td (credible.)Tj 0 -2.125 TD (Regarding the debt alleged in SOR \2661.a Applicant denies this debt, cl\ aiming he paid it, but the company would not)Tj 0 -1.125 TD (provide a document to verify his payment. SOR \266 1.b is a medical debt\ . Applicant)Tj /Span<>> BDC ( )Tj EMC 33.057 0 Td (does not know what the debt is for)Tj -33.057 -1.125 Td (and made no attempt to determine its status or validity with his medical\ provider. He stated he did not have a problem)Tj T* (with paying this debt for $33, but has not.)Tj /Span<>> BDC ( )Tj EMC 16.971 0 Td (He acknowledged the debts in SOR \266\266 1.c, 1.f, 1.g, and 1. h for me\ dical)Tj -16.971 -1.125 Td (services and contacted the creditor and tried to settle the debts. He wa\ s told they were in collection. He has not paid)Tj T* (them.)Tj /Span<>> BDC ( )Tj EMC 2.5 0 Td (Applicant was very unclear when he filed for a financial hardship waiver\ and what debt it applied to. He claims he)Tj -2.5 -1.125 Td (does not know who the creditor is in \266 1.d. and has made no attempt t\ o research or)Tj /Span<>> BDC ( )Tj EMC 33.167 0 Td (resolve it. Applicant does not dispute)Tj -33.167 -1.125 Td (the debts in SOR \266\266 1.e, 1.i, 1.j and 1.k, yet he has not paid the\ m.)Tj 0 -2.125 TD (Applicant was interviewed by a Defense Security Service \(DSS\) Investig\ ator in October 2005. Applicant acknowledged)Tj 0 -1.375 TD (he was aware he had medical debts when he filled out his SCA.)Tj 0 0 0.933 rg 9.75 0 0 9.75 320.916 279.75 Tm ( \(15\))Tj ET q 1 0 0 1 320.916 279 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 339.5972 275.25 Tm ( However,)Tj /Span<>> BDC ( )Tj EMC (he claimed he was unaware that the bills)Tj -26.966 -1.375 Td (had been turned over to a collection agency for collection and he did no\ t have the money to pay them.)Tj 0 0 0.933 rg 9.75 0 0 9.75 505.1641 263.25 Tm ( \(16\))Tj ET q 1 0 0 1 505.1641 262.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 523.8452 258.75 Tm ( He indicated)Tj -42.32 -1.125 Td (that his insurance paid some monies)Tj /Span<>> BDC ( )Tj EMC 14.719 0 Td (and he was responsible for copayments and deductibles. He was aware thos\ e)Tj -14.719 -1.375 Td (payments were accumulating.)Tj 0 0 0.933 rg 9.75 0 0 9.75 158.9453 233.25 Tm ( \(17\))Tj ET q 1 0 0 1 158.9453 232.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 177.6265 228.75 Tm ( He did not provide an explanation as to why he did not list his medical\ debts on his)Tj -13.469 -1.125 Td (SCA. Applicant told the Investigator he was not delinquent on his credit\ card debts because of the credit protection)Tj 0 -1.125 TD (plans, and was not going to pay them. )Tj 15.387 0 Td (He intended to wait until the debts)Tj /Span<>> BDC ( )Tj EMC 14.025 0 Td (dropped off his credit report.)Tj -29.412 -2.125 Td (Applicant was not credible in claiming he believed he did not have any d\ elinquent debts. Some of his testimony)Tj T* (contradicted both the DSS investigator's testimony and his original Answ\ er to the)Tj /Span<>> BDC ( )Tj EMC 32.842 0 Td (SOR. He refuses to deal with the)Tj -32.842 -1.375 Td (collection agencies to whom the debts were sold.)Tj 0 0 0.933 rg 9.75 0 0 9.75 251.2656 150.75 Tm ( \(18\))Tj ET q 1 0 0 1 251.2656 150 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 269.9468 146.25 Tm ( He stated they want more money than he can pay so he will let the)Tj -21.162 -1.375 Td (debts sit. He will only deal with the original)Tj /Span<>> BDC ( )Tj EMC 17.831 0 Td (creditors.)Tj 0 0 0.933 rg 9.75 0 0 9.75 274.9492 134.25 Tm ( \(19\))Tj ET q 1 0 0 1 274.9492 133.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 293.6304 129.75 Tm ( His attitude is that he does not have the money and that is the)Tj -23.136 -1.125 Td (way it is.)Tj 0 -2.125 TD (Applicant was terminated from civilian employment due to a personality c\ onflict with a new manager. There was)Tj 0 -1.125 TD (nothing derogatory related to his termination.)Tj 0 -2.125 TD (Applicant misrepresented himself to his work associates at the miliary b\ ase where he is employed by claiming he had)Tj ET q 10 36 592 730 re W n BT 12 0 0 12 16 38.25 Tm (prior military service in the Navy. He also misrepresented to a fellow w\ orker at)Tj /Span<>> BDC ( )Tj EMC 32.017 0 Td (a civilian work place that he was a)Tj ET EMC Q endstream endobj 78 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[575.0 714.0 593.0 725.0]/Subtype/Link/Type/Annot>> endobj 79 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[138.0 670.0 156.0 681.0]/Subtype/Link/Type/Annot>> endobj 80 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[237.0 600.0 255.0 611.0]/Subtype/Link/Type/Annot>> endobj 81 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[321.0 277.0 339.0 288.0]/Subtype/Link/Type/Annot>> endobj 82 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[505.0 261.0 523.0 272.0]/Subtype/Link/Type/Annot>> endobj 83 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[159.0 231.0 177.0 242.0]/Subtype/Link/Type/Annot>> endobj 84 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[251.0 148.0 269.0 159.0]/Subtype/Link/Type/Annot>> endobj 85 0 obj <>/BS<>/Border[0 0 0]/PA<>/Rect[275.0 132.0 293.0 143.0]/Subtype/Link/Type/Annot>> endobj 14 0 obj <>/ProcSet[/PDF/Text]>>/StructParents 1/Type/Page>> endobj 86 0 obj [88 0 R 89 0 R 90 0 R 91 0 R 92 0 R 93 0 R 94 0 R 95 0 R 96 0 R] endobj 87 0 obj <>stream BT /Artifact <>BDC /TT0 1 Tf 9 0 0 9 5 779 Tm (05-17625.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/05-17625.h1.html)Tj 50.296 0 Td ([7/2/2021 3:52:32 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 (received the hearing transcript \(Tr.\) on October 3, 2006.)Tj ET Q BT 0 g /TT1 1 Tf 12 0 0 12 248.8721 729.75 Tm (FINDINGS OF FACT)Tj ET 0.75 w q 1 0 0 1 248.8721 729 cm 0 0 m 114.006 0 l h S Q BT /TT0 1 Tf 12 0 0 12 16 704.25 Tm (Applicant's admissions to the allegations in the SOR, are incorporated h\ erein. In addition, after a thorough and careful)Tj 0 -1.125 TD (review of the pleadings, exhibits, and testimony, I make the following)Tj /Span<>> BDC ( )Tj EMC 28.271 0 Td (findings of fact:)Tj -28.271 -2.125 Td (Applicant is 53 years old, a college graduate, married with two children\ , and has worked for his current employer, a)Tj T* (federal contractor, since 2003. In 2000 Applicant was diagnosed with a s\ erious)Tj /Span<>> BDC ( )Tj EMC 31.824 0 Td (illness. He incurred substantial medical)Tj -31.824 -1.125 Td (bills. His wife continued to work and they met their expenses. In 2002 h\ is wife was diagnosed with a serious illness and)Tj T* (they incurred additional medical)Tj /Span<>> BDC ( )Tj EMC 13.217 0 Td (bills. His wife is currently disabled and unable to work. Applicant expe\ rienced)Tj -13.217 -1.125 Td (unemployment and underemployment from approximately 2001 until approxima\ tely the middle of 2002. He had)Tj T* (difficulty paying his credit card bills and his medical deductibles and \ copayments from that time and they have)Tj T* (remained delinquent. He is able to meet his current monthly expenses.)Tj 0 -2.375 TD (At some point Applicant signed up for credit protection plans with his c\ redit card companies.)Tj 0 0 0.933 rg 9.75 0 0 9.75 463.5566 560.25 Tm ( \(3\))Tj ET 0 0 0.933 RG q 1 0 0 1 463.5566 559.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 477.3628 555.75 Tm ( Each plan provided)Tj -38.447 -1.125 Td (under certain circumstances the debtor's minimum monthly payment is defe\ rred,)Tj /Span<>> BDC ( )Tj EMC 32.42 0 Td (interest and late penalties do not)Tj -32.42 -1.375 Td (accrue, and derogatory notices are not sent to credit bureaus, thereby p\ rotecting the debtor's credit.)Tj 0 0 0.933 rg 9.75 0 0 9.75 488.9746 530.25 Tm ( \(4\))Tj ET q 1 0 0 1 488.9746 529.5 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 502.7808 525.75 Tm ( It is the debtor's)Tj -40.565 -1.125 Td (responsibility to comply with the terms of the)Tj /Span<>> BDC ( )Tj EMC 18.498 0 Td (agreement and keep the company informed of the status of his disability)Tj -18.498 -1.125 Td (and any changes. The maximum length of deferment is 24 months. Applicant\ claimed the protection plans were to pay)Tj 0 -1.375 TD (his)Tj /Span<>> BDC ( )Tj EMC (monthly minimum payments, however the contracts provided by Applicant as\ evidence read to the contrary.)Tj 0 0 0.933 rg 9.75 0 0 9.75 552.1855 486.75 Tm ( \(5\))Tj ET q 1 0 0 1 552.1855 486 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 565.9917 482.25 Tm ( The)Tj -45.833 -1.125 Td (payment is merely deferred and once the deferment ends the minimum month\ ly)Tj /Span<>> BDC ( )Tj EMC 32.101 0 Td (payment must be paid. Written proof is)Tj -32.101 -1.125 Td (required to confirm the reason for the activation of the plan and deferm\ ent of payments, and to update the status. There)Tj 0 -1.125 TD (are numerous events that trigger)Tj /Span<>> BDC ( )Tj EMC 13.134 0 Td (deactivation of the plan, such as the hospitalization, disability or une\ mployment ceases.)Tj -13.134 -1.375 Td (At some point, Applicant qualified for the protection.)Tj 0 0 0.933 rg 9.75 0 0 9.75 272.2715 429.75 Tm ( \(6\))Tj ET q 1 0 0 1 272.2715 429 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 286.0776 425.25 Tm ( Applicant provided a letter with an)Tj /Span<>> BDC ( )Tj EMC 14.468 0 Td (offer/advertisement from)Tj -36.974 -1.125 Td (one credit protection plan stating the debtor "MAY" qualify for a plan w\ hereby the creditor would make the monthly)Tj 0 -1.375 TD (payments owed. However, Applicant did not provide)Tj /Span<>> BDC ( )Tj EMC 21.467 0 Td (any evidence that this term was in any of his agreements.)Tj 0 0 0.933 rg 9.75 0 0 9.75 547.8555 399.75 Tm ( \(7\))Tj ET q 1 0 0 1 547.8555 399 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 561.6616 395.25 Tm ( The)Tj -45.472 -1.125 Td (plan brochures he provided mentioned payment deferral and not payments b\ eing made. Applicant incorrectly believed)Tj 0 -1.125 TD (these credit)Tj /Span<>> BDC ( )Tj EMC 4.831 0 Td (protection plans would pay his credit card payments when he could not. A\ pplicant provided documents to)Tj -4.831 -1.125 Td (show a credit protection plan was in effect at one time and there was a \ zero minimum)Tj /Span<>> BDC ( )Tj EMC 34.46 0 Td (balance reflected on a document.)Tj 0 0 0.933 rg 9.75 0 0 9.75 16 342.75 Tm (\(8\))Tj ET q 1 0 0 1 16 342 cm 0 0 m 11.369 0 l h S Q BT 0 g 12 0 0 12 27.3687 338.25 Tm ( He also provided documents that showed certain payments were made, but \ because he failed to provide sequential)Tj -0.947 -1.125 Td (monthly statements on his different accounts it)Tj /Span<>> BDC ( )Tj EMC 18.968 0 Td (is unclear what the statements actually reflect. The account number on)Tj -18.968 -1.375 Td (certain letters did not reflect the account number on his monthly statem\ ents.)Tj 0 0 0.933 rg 9.75 0 0 9.75 380.5586 312.75 Tm ( \(9\))Tj ET q 1 0 0 1 380.5586 312 cm 0 0 m 13.806 0 l h S Q BT 0 g 12 0 0 12 394.3647 308.25 Tm ( He did not provide evidence as to what)Tj -31.53 -1.125 Td (date the)Tj /Span<>> BDC ( )Tj EMC 3.387 0 Td (plan went into effect and if he had complied with all the requirements.)Tj -3.387 -2.125 Td (Although Applicant was contacted by collection companies and felt harass\ ed, he refused to deal with any third party)Tj T* (collection companies because he believed them to be unscrupulous. He mad\ e)Tj /Span<>> BDC ( )Tj EMC 31.101 0 Td (several successful attempts to have his)Tj -31.101 -1.125 Td (credit card companies correct errors made in charging fees that were to \ be deferred and correcting the errors on his)Tj 0 -1.375 TD (credit report.)Tj 0 0 0.933 rg 9.75 0 0 9.75 77.9688 230.25 Tm ( \(10\))Tj ET q 1 0 0 1 77.9688 229.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 16 200.25 Tm (Applicant requested a financial hardship release from his medical provid\ er for deductibles and copayments he could not)Tj 0 -1.125 TD (pay. He did not provide any documentation indicating a release was grant\ ed.)Tj /Span<>> BDC ( )Tj EMC 30.879 0 Td (He did not make any effort to review his)Tj -30.879 -1.125 Td (credit report or create a list as to which medical bills had been releas\ ed, but assumed all were. He claimed the medical)Tj T* (provider released his delinquent bills,)Tj /Span<>> BDC ( )Tj EMC 15.274 0 Td (but refused to provide him documentation of the release. Applicant did n\ ot list his)Tj -15.274 -1.125 Td (medical delinquencies on his SCA because he thought he did not have to p\ ay them because he requested a)Tj /Span<>> BDC ( )Tj EMC 42.682 0 Td (financial)Tj -42.682 -1.125 Td (hardship release.)Tj 0 -2.125 TD (When Applicant completed his security clearance application \(SCA\) on M\ arch 17, 2003, he claimed he did not believe)Tj 0 -1.375 TD (he had delinquent debts over 90 or 180 days.)Tj 0 0 0.933 rg 9.75 0 0 9.75 230.9512 95.25 Tm ( \(11\))Tj ET q 1 0 0 1 230.9512 94.5 cm 0 0 m 18.681 0 l h S Q BT 0 g 12 0 0 12 249.6323 90.75 Tm ( He thought his credit cards)Tj /Span<>> BDC ( )Tj EMC 11.275 0 Td (were being paid by the credit protection)Tj -30.744 -1.125 Td (plan and his medical bills were released due to financial hardship. In t\ he General Remarks section of Question 43 he)Tj 0 -1.125 TD (stated: "To the best of my knowledge)Tj /Span<>> BDC ( )Tj EMC 15.21 0 Td (all of my bills are current and there are no outstanding liens or judgem\ ents." On)Tj -15.21 -1.125 Td (an updated December 16, 2004 SCA Applicant did not list any delinquent d\ ebts over 180 or 90 days. 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