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(the time of the conduct; the voluntariness of participation; the presenc\
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-17.981 -1.125 Td
(absence of rehabilitation and other pertinent behavioral changes; the mo\
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( )Tj
EMC
33.571 0 Td
(the conduct; the potential for)Tj
-33.571 -1.125 Td
(pressure, coercion, exploitation, or duress; and the likelihood of conti\
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T*
(absence of)Tj
/Span<>> BDC
( )Tj
EMC
(a particular condition or factor for or against clearance is not outcome\
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T*
(guidelines should be followed whenever a case can be)Tj
/Span<>> BDC
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EMC
21.909 0 Td
(measured against this policy guidance.)Tj
-21.909 -2.125 Td
(The sole purpose of a security clearance determination is to decide if i\
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EMC
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(for an applicant.)Tj
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( )Tj
EMC
25.548 0 Td
(evidence.)Tj
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(burden, the burden shifts to an applicant to present evidence of refutat\
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EMC
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(overcome the)Tj
-41.405 -1.375 Td
(case against him.)Tj
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( Additionally, an applicant has the ultimate burden of persuasion to obt\
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(decision.)Tj
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( These same)Tj
/Span<>> BDC
( )Tj
EMC
5.192 0 Td
(burdens of proof apply to trustworthiness determinations for ADP positio\
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-10.332 -2.375 Td
(No one has a right to a security clearance)Tj
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( and "the clearly consistent standard indicates that security clearance)Tj
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(determinations should err, if they must, on the)Tj
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EMC
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(side of denials.")Tj
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( Any reasonable doubt about whether an applicant)Tj
-26.71 -1.375 Td
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/Span<>> BDC
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EMC
35.88 0 Td
(such sensitive information.)Tj
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(The decision to deny an individual a security clearance is not necessari\
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(applicant.)Tj
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( It is)Tj
/Span<>> BDC
( )Tj
EMC
(merely an indication that the applicant has not met the strict guideline\
s the President and the)Tj
-5.472 -1.125 Td
(Secretary of Defense have established for issuing a clearance.)Tj
0 -2.125 TD
(Based upon consideration of all the evidence, I find the following adjud\
icative guidelines most pertinent to the)Tj
0 -1.125 TD
(evaluation of the facts in this case:)Tj
0 -2.125 TD
(Financial Considerations-a security concern exists when a person has sig\
nificant delinquent debts. An individual who is)Tj
0 -1.125 TD
(financially overextended is at risk of)Tj
/Span<>> BDC
( )Tj
EMC
14.884 0 Td
(having to engage in illegal or unethical acts to generate funds to meet \
financial)Tj
-14.884 -1.125 Td
(obligations. Similarly, an individual who is financially irresponsible m\
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( )Tj
EMC
32.522 0 Td
(irresponsible, unconcerned, or careless)Tj
-32.522 -1.125 Td
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T*
(an indication of how a person may behave in other aspects of life.)Tj
0 -2.125 TD
(Personal Conduct-a security concern exists when conduct involving questi\
onable judgment, untrustworthiness,)Tj
0 -1.125 TD
(unreliability, or unwillingness to comply with)Tj
/Span<>> BDC
( )Tj
EMC
18.582 0 Td
(rules and regulations could indicate that the person may not properly)Tj
-18.582 -1.125 Td
(safeguard classified information.)Tj
0 -2.125 TD
(Conditions that could raise a security concern and may be disqualifying,\
as well as those which would mitigate security)Tj
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(concerns, pertaining to the adjudicative)Tj
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( )Tj
EMC
15.994 0 Td
(guidelines are set forth and discussed in the conclusions below.)Tj
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4.495 -2.125 Td
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(I have carefully considered all the facts in evidence and the legal stan\
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ET
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BT
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EMC
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( )Tj
EMC
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-34.112 -1.375 Td
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( She did not provide)Tj
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(any)Tj
/Span<>> BDC
( )Tj
EMC
(documentation to show whether she made any payments or made any arrangem\
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T*
(information was provided on this delinquent)Tj
/Span<>> BDC
( )Tj
EMC
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(debt. The account listed in SOR \266 1.i was a medical bill for her son \
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/Span<>> BDC
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EMC
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(medical insurance coverage at)Tj
-34.905 -1.125 Td
(the time. No documentation was provided to show if Applicant actually st\
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0 -2.125 TD
(Regarding the account in SOR \266 1.b, Applicant stated she activated th\
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0 -1.125 TD
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/Span<>> BDC
( )Tj
EMC
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(has contacted the credit card company or done anything to dispute the de\
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-14.83 -1.125 Td
(she has deactivated the card. She stated she is )Tj
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/Span<>> BDC
( )Tj
EMC
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(delinquent debts listed in SOR \266\266 1.c and 1.h. She)Tj
-26.936 -1.125 Td
(did not provide any information that she has researched these debts to e\
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/Span<>> BDC
( )Tj
EMC
42.655 0 Td
(disputed)Tj
-42.655 -1.125 Td
(them. She denied she owes the account listed in SOR \266 1.f and stated \
she does not believe she could maintain a current)Tj
T*
(account with this telephone)Tj
/Span<>> BDC
( )Tj
EMC
11.219 0 Td
(company if she had a delinquent account. Applicant did not provide any i\
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-11.219 -1.125 Td
(what efforts she took to research the account, contact the creditor)Tj
/Span<>> BDC
( )Tj
EMC
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(about the account, or dispute the legitimacy of the)Tj
-26.322 -1.125 Td
(account. She stated most of the accounts were opened before June 2003, w\
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/Span<>> BDC
( )Tj
EMC
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(husband. She did)Tj
-40.902 -1.125 Td
(not provide any information about her financial status or information as\
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T*
(were for, what if any)Tj
/Span<>> BDC
( )Tj
EMC
8.607 0 Td
(conditions that affect her financial stability were beyond her control, \
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-8.607 -1.125 Td
(faith efforts she has taken to resolve her delinquent debts.)Tj
0 -2.125 TD
(On Applicant's December 11, 2002, Questionnaire for Public Trust Positio\
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0 -1.125 TD
(which asked if she had debts that were over)Tj
/Span<>> BDC
( )Tj
EMC
17.688 0 Td
(180 days delinquent, she listed one debt. On her November 8, 2004, SF 85\
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-17.688 -1.125 Td
(in response to the same question she answered "no" that she did not have\
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/Span<>> BDC
( )Tj
EMC
31.115 0 Td
(debts over 180 days past due.)Tj
-31.115 -2.125 Td
(Applicant denied she intentionally falsified her trustworthiness determi\
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T*
(disputes some of the items in the SOR \(1.b)Tj
/Span<>> BDC
( )Tj
EMC
17.388 0 Td
(through 1.e\) and she was not aware of the charges in others until May o\
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-17.388 -1.125 Td
(2006. Applicant admitted she owes the debts listed in SOR \266\266 1.d, \
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/Span<>> BDC
( )Tj
EMC
33.375 0 Td
(Applicant was aware that she had)Tj
-33.375 -1.375 Td
(her car involuntarily repossessed in August 2000, and owed the deficienc\
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-39.194 -1.125 Td
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/Span<>> BDC
( )Tj
EMC
(an account with the listed phone company in SOR \266 1.e, but disputed t\
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/Span<>> BDC
( )Tj
EMC
18.247 0 Td
(making payments on the debt in SOR \266 1.g. That debt was charged off i\
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-18.247 -1.125 Td
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( )Tj
EMC
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-32.714 -1.125 Td
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-4.999 -1.125 Td
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( )Tj
EMC
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-14.666 -1.125 Td
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/Span<>> BDC
( )Tj
EMC
29.046 0 Td
(charged off, that she was unaware that she had)Tj
-29.046 -1.125 Td
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/Span<>> BDC
( )Tj
EMC
41.268 0 Td
(December 11,)Tj
-41.268 -1.125 Td
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( )Tj
EMC
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EMC
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(national security to do so.)Tj
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( ADP III positions are "nonsensitive positions.")Tj
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0 -1.125 TD
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EMC
19.439 0 Td
(though ADP III positions are nonsensitive, they are treated in the same)Tj
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