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(2002\) \("It is likewise plain that there is no)Tj
-28.199 -1.125 Td
('right' to a security clearance, so that full-scale due process standard\
s do not apply to cases such as Duane's."\) \(citations)Tj
0 -1.125 TD
(omitted\).)Tj
0 -2.125 TD
(10. )Tj
(484 U.S. at 531.)Tj
T*
(11. )Tj
(Directive, Enclosure 2, Attachment 6 \(setting forth the disqualifying a\
nd mitigating conditions\).)Tj
T*
(12. )Tj
(Directive, Item E2.A6.1.2.1. A history of not meeting financial obligati\
ons; Item E2.A6.1.2.3. Inability or)Tj
0 -1.125 TD
(unwillingness to satisfy debts.)Tj
EMC
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0 -86 TD
(file:///usr.osd.mil/)Tj
7.166 0 Td
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50.296 0 Td
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0 g
12 0 0 12 16 755.25 Tm
(Viewing the record evidence as a whole, here we have an individual who h\
ad his security clearance revoked in the mid-)Tj
ET
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BT
0 g
12 0 0 12 16 741.75 Tm
(1990s due to financial issues. His recent financial problems are well)Tj
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( )Tj
EMC
27.492 0 Td
(documented, and, to some extent, are)Tj
-27.492 -1.125 Td
(understandable given the family circumstances that contributed to his fi\
nancial problems. But he was slow to act in)Tj
0 -1.125 TD
(resolving his financial problems and it)Tj
/Span<>> BDC
( )Tj
EMC
15.608 0 Td
(looks like he did so only when under pressure from this case. Indeed, Ap\
plicant)Tj
-15.608 -1.125 Td
(had not met with a financial counselor before the hearing. Although he i\
s commended for taking the first steps, his)Tj
T*
(efforts so far )Tj
(are not enough to resolve the security concern stemming from his history\
of financial problems. What's)Tj
T*
(missing here is a demonstrated consistent payment record, along with a)Tj
/Span<>> BDC
( )Tj
EMC
28.771 0 Td
(substantial improvement in his overall financial)Tj
-28.771 -1.125 Td
(situation, that would signal that he is serious about fixing his financi\
al problems. The DMP is a good start, but it's a 18-)Tj
T*
(month plan, and it is now too)Tj
/Span<>> BDC
( )Tj
EMC
11.944 0 Td
(early to make any predictions if he will stick to the plan. At this poin\
t, given all the facts)Tj
-11.944 -1.125 Td
(and circumstances, the likelihood of continuation or recurrence of his f\
inancial problems is high.)Tj
0 -2.125 TD
(In conclusion, I have weighed the favorable and unfavorable information,\
and I conclude that Applicant has failed to)Tj
0 -1.125 TD
(rebut, explain, extenuate, or mitigate the financial considerations secu\
rity)Tj
/Span<>> BDC
( )Tj
EMC
29.601 0 Td
(concern based on his significant unpaid debts.)Tj
-29.601 -1.125 Td
(Likewise, he did not meet his ultimate burden of persuasion to obtain a \
favorable clearance decision. )Tj
40.542 0 Td
(In reaching this)Tj
-40.542 -1.125 Td
(conclusion, I also considered)Tj
/Span<>> BDC
( )Tj
EMC
11.858 0 Td
(Applicant's case under the whole-person concept, which a detailed discus\
sion thereof)Tj
-11.858 -1.125 Td
(would not change the outcome of this case.)Tj
/TT1 1 Tf
19.364 -2.125 Td
(FORMAL FINDINGS)Tj
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(Here are my conclusions for each allegation in the SOR:)Tj
0 -2.125 TD
(SOR \266 1-Guideline F: )Tj
(Against Applicant)Tj
T*
(Subparagraphs a-e & g: )Tj
9.719 0 Td
(Against Applicant)Tj
-9.719 -2.125 Td
(Subparagraph f: )Tj
(For Applicant)Tj
T*
(SOR \266 2-Guideline E: )Tj
9.063 0 Td
(For Applicant)Tj
-9.063 -2.125 Td
(Subparagraphs a-c: )Tj
7.941 0 Td
(For Applicant)Tj
/TT1 1 Tf
13.742 -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
20.116 -2.125 Td
(Michael H. Leonard)Tj
-0.251 -2.125 Td
(Administrative Judge)Tj
-19.865 -2.125 Td
(1. )Tj
(Executive Order 10865, dated February 20, 1960, as amended, and DoD Dire\
ctive 5220.6, dated January 2, 1992, as)Tj
T*
(amended \(Directive\).)Tj
0 -2.125 TD
(2. )Tj
(Directive, Enclosure 2, Item E2.2.1 \(setting forth nine factors to cons\
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T*
(3. )Tj
(Executive Order 10865, \247 7.)Tj
T*
(4. )Tj
(ISCR Case No. 96-0277 \(July 11, 1997\) at p. 2.)Tj
T*
(5. )Tj
(ISCR Case No. 02-18663 \(March 23, 2004\) at p. 5.)Tj
T*
(6. )Tj
(Directive, Enclosure 3, Item E3.1.14.)Tj
T*
(7. )Tj
(Directive, Enclosure 3, Item E3.1.15.)Tj
T*
(8. )Tj
(Directive, Enclosure 3, Item E3.1.15.)Tj
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( The government has the burden of presenting evidence to establish facts\
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(that have been controverted.)Tj
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(applicant is responsible for presenting evidence to refute, explain, ext\
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( In addition, an applicant has the ultimate burden of persuasion to)Tj
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(, "the)Tj
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(denials.")Tj
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(Egan, )Tj
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( )Tj
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(will be resolved in favor of protecting national security.)Tj
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(CONCLUSIONS)Tj
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(Under Guideline F,)Tj
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( a security concern typically exists for two different types of situatio\
ns--significant unpaid debts)Tj
-9.305 -1.125 Td
(or unexplained affluence. An individual who is financially overextended \
is at)Tj
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( )Tj
EMC
31.157 0 Td
(risk of having to engage in illegal or)Tj
-31.157 -1.125 Td
(unethical acts to generate funds to meet financial obligations. Similarl\
y, an individual who is financially irresponsible)Tj
0 -1.125 TD
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/Span<>> BDC
( )Tj
EMC
16.3 0 Td
(negligent, or careless in properly handling and safeguarding classified)Tj
-16.3 -1.125 Td
(information.)Tj
0 -2.125 TD
(Here, based on the record evidence, a security concern is raised by sign\
ificant unpaid debts. Applicant has a history of)Tj
0 -1.375 TD
(not meeting financial obligations as well as inability or unwillingness \
to pay)Tj
/Span<>> BDC
( )Tj
EMC
30.772 0 Td
(just debts.)Tj
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( The record evidence shows a)Tj
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(pattern of Applicant not fulfilling his financial )Tj
18.801 0 Td
(obligations. This pattern is established by the Navy's revocation of his\
)Tj
-18.801 -1.125 Td
(security clearance due to financial)Tj
/Span<>> BDC
( )Tj
EMC
13.909 0 Td
(issues in the mid-1990s, and the recent money judgments taken against hi\
m and the)Tj
-13.909 -1.125 Td
(other delinquent accounts.)Tj
0 -2.125 TD
(I reviewed the MCs under the guideline and conclude that Applicant recei\
ves some credit in mitigation. Each MC is)Tj
0 -1.125 TD
(discussed below.)Tj
0 -2.125 TD
(The first MC--the behavior was not recent--does not apply. His financial\
problems are current and ongoing, as opposed)Tj
0 -1.125 TD
(to matters from the distant past.)Tj
0 -2.125 TD
(The second MC--it was an isolated incident--does not apply. His financia\
l problems started in mid-1990s when he was)Tj
0 -1.125 TD
(in the Navy and cropped up again recently. These circumstances suggest a\
)Tj
/Span<>> BDC
( )Tj
EMC
29.961 0 Td
(pattern of behavior.)Tj
-29.961 -2.125 Td
(The third MC--the conditions that resulted in the behavior were largely \
beyond the person's control--applies in his favor.)Tj
T*
(The increase in living expenses due to the addition of his mother-in-law\
)Tj
/Span<>> BDC
( )Tj
EMC
28.992 0 Td
(and her grandson, coupled with the separation)Tj
-28.992 -1.125 Td
(of Applicant and his wife, likely contributed to his financial problems.\
These two circumstances roughly parallel his)Tj
T*
(most recent financial problems.)Tj
0 -2.125 TD
(The fourth MC--the person has received or is receiving counseling for th\
e problem and there are clear indications that)Tj
0 -1.125 TD
(problem is being resolved or is under control--does not apply. It's true\
that he)Tj
/Span<>> BDC
( )Tj
EMC
31.145 0 Td
(is now receiving counseling and assistance)Tj
-31.145 -1.125 Td
(to put his financial house in order and address his indebtedness. But at\
this point, it is too soon to say that there are clear)Tj
T*
(indications that the problem is)Tj
/Span<>> BDC
( )Tj
EMC
12.359 0 Td
(being resolved or is under control, because Applicant met with the couns\
elor on January)Tj
-12.359 -1.375 Td
(4)Tj
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(th)Tj
12 0 0 12 29.5839 174.75 Tm
( and was to make his first payment on the DMP a few days ago on January \
7)Tj
9.75 0 0 9.75 397.1718 179.25 Tm
(th)Tj
12 0 0 12 404.7556 174.75 Tm
(. Time will tell if he will)Tj
/Span<>> BDC
( )Tj
EMC
10.054 0 Td
(follow)Tj
-42.45 -1.125 Td
(through and get his financial problems under control.)Tj
0 -2.125 TD
(The fifth MC--the affluence resulted from a legal source--is not applica\
ble here.)Tj
T*
(The sixth MC--the individual initiated a good-faith effort to repay over\
due creditors or otherwise resolve debts--applies)Tj
0 -1.125 TD
(somewhat. By seeking financial counseling and entering into a DMP,)Tj
/Span<>> BDC
( )Tj
EMC
27.994 0 Td
(Applicant has initiated an effort to address his)Tj
-27.994 -1.125 Td
(indebtedness. The same is true for his plan to use the lump-sum payment \
from the VA to address the unpaid judgment)Tj
T*
(not included in the DMP. But)Tj
/Span<>> BDC
( )Tj
EMC
12.083 0 Td
(the credit in mitigation is limited because he has just begun the proces\
s. Again, time will)Tj
-12.083 -1.125 Td
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/Span<>> BDC
( )Tj
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(\(Exhibit 7\). To date, the judgment has not been satisfied.)Tj
-13.97 -2.125 Td
(12. The $2,836 debt in subparagraph 1.e is for a credit card account wit\
h a credit union. It was charged off in about)Tj
0 -1.125 TD
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quent)Tj
/Span<>> BDC
( )Tj
EMC
31.685 0 Td
(when he fell behind on payments. To)Tj
-31.685 -1.125 Td
(date, this account is outstanding.)Tj
0 -2.125 TD
(13. The $1,000 debt is subparagraph 1.f is for a judgment taken against \
Applicant in October 2004 by a finance)Tj
0 -1.125 TD
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/Span<>> BDC
( )Tj
EMC
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(the account \(Exhibit 10\).)Tj
-33.406 -2.125 Td
(14. As an explanation for his recent financial problems, Applicant point\
s to two interrelated circumstances \(R. 44-46\).)Tj
T*
(First, in 2002, his mother-in-law and her grandson moved in and lived wi\
th)Tj
/Span<>> BDC
( )Tj
EMC
30.356 0 Td
(Applicant for about two years. This)Tj
-30.356 -1.125 Td
(increased household expenses. Second, at some point after his mother-in-\
law moved in, Applicant and his wife)Tj
T*
(separated for a period.)Tj
0 -2.125 TD
(15. Currently, his annual salary as an aircraft mechanic is about $42,00\
0. He also receives military retirement pay. In)Tj
0 -1.125 TD
(addition, starting )Tj
7.027 0 Td
(January 1, 2007, he receives $984 monthly from the VA for)Tj
/Span<>> BDC
( )Tj
EMC
24.188 0 Td
(service-connected disabilities rated at)Tj
-31.215 -1.125 Td
(60% \(Exhibit C\). The effective date of this entitlement is April 1, 20\
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(for the nine months for which he did not)Tj
/Span<>> BDC
( )Tj
EMC
16.414 0 Td
(receive the disability entitlement.)Tj
-16.414 -2.125 Td
(16. Other than the lump-sum payment, which he should receive in the next\
90 days, Applicant's financial assets are slim.)Tj
T*
(At the hearing, he estimated he had less than $100 in a savings account \
and)Tj
/Span<>> BDC
( )Tj
EMC
30.38 0 Td
(less than $100 in a checking account. He)Tj
-30.38 -1.125 Td
(estimated he had about $5,000 in a 401\(k\) retirement account. He is cu\
rrently repaying a loan taken from the 401\(k\))Tj
T*
(account. He drives a truck that was a)Tj
/Span<>> BDC
( )Tj
EMC
14.966 0 Td
(cash purchase. His wife's vehicle was bought using credit, and at the he\
aring he)Tj
-14.966 -1.125 Td
(was one month behind on the loan.)Tj
0 -2.125 TD
(17. After the hearing, on about January 4, 2007, Applicant met with a fi\
nancial specialist from a financial counseling)Tj
0 -1.125 TD
(organization \(Exhibit B\). The meeting produced an action plan, budget,\
and a)Tj
/Span<>> BDC
( )Tj
EMC
31.24 0 Td
(debt-management program \(DMP\). The)Tj
-31.24 -1.125 Td
(action plan shows Applicant has a total monthly income of $4,155, and af\
ter expenses there is a surplus of about $865.)Tj
T*
(The surplus will be used to pay $600)Tj
/Span<>> BDC
( )Tj
EMC
14.998 0 Td
(per month for 18 months on the DMP. Of the $600, a $35 fee is deducted r\
esulting)Tj
-14.998 -1.375 Td
(in payment of $565 to the creditors, and the first payment was to begin \
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(th)Tj
12 0 0 12 412.8221 342.75 Tm
(.)Tj
-33.069 -2.125 Td
(18. A review of the DMP shows it includes three creditors for a total of\
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T*
(in subparagraphs 1.a, 1.b, and 1.e. It appears Applicant intends to use \
the)Tj
/Span<>> BDC
( )Tj
EMC
29.464 0 Td
(lump-sum payment to resolve the unpaid)Tj
-29.464 -1.125 Td
(judgment in subparagraph 1.d \(Exhibit A\). The DMP does not address the\
smallest debt in the SOR, the $542 collection)Tj
T*
(account in subparagraph 1.c.)Tj
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(POLICIES)Tj
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(The Directive sets forth adjudicative guidelines to consider when evalua\
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(including disqualifying conditions \(DC\) and mitigating conditions \(MC\
\) for)Tj
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( )Tj
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(each guideline. In addition, each clearance)Tj
-30.636 -1.125 Td
(decision must be a fair and impartial commonsense decision based upon co\
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( )Tj
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(and adjudication factors, and the whole-person concept.)Tj
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( )Tj
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(have a)Tj
-44.071 -1.125 Td
(high degree of trust and confidence in those persons to whom it grants a\
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( )Tj
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(applicant's loyalty.)Tj
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( Instead, it is a determination that)Tj
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(the applicant has not met the strict guidelines the President has establ\
ished for granting eligibility for a security)Tj
0 -1.125 TD
(clearance.)Tj
/TT1 1 Tf
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(BURDEN OF PROOF)Tj
/TT0 1 Tf
-19.351 -2.125 Td
(The only purpose of a security-clearance decision is to decide if it is \
clearly consistent with the national interest to grant)Tj
0 -1.375 TD
(or continue a security clearance for an applicant.)Tj
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( There is no presumption)Tj
/Span<>> BDC
( )Tj
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(from the Department of Veterans Affairs \(VA\), each dated in December 2\
006. Exhibits A, B, and C are admitted.)Tj
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(FINDINGS OF FACT)Tj
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(Under Guideline F, the SOR alleges that Applicant is indebted to six cre\
ditors for delinquent or unpaid debts for more)Tj
0 -1.125 TD
(than $18,000 in total. In addition, it alleges that the Navy had previou\
sly)Tj
/Span<>> BDC
( )Tj
EMC
29.272 0 Td
(revoked Applicant's security clearance he held)Tj
-29.272 -1.125 Td
(as a sailor due to his history of not meeting his financial obligations.\
In reply to the SOR, Applicant admitted all)Tj
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/Span<>> BDC
( )Tj
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(his admissions are incorporated herein as findings of fact.)Tj
-14.052 -2.125 Td
(Under Guideline E, the SOR alleges that Applicant made deliberately fals\
e statements on a security-clearance)Tj
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(application when answering three questions about his financial record. I\
n reply to the)Tj
/Span<>> BDC
( )Tj
EMC
34.323 0 Td
(SOR, Applicant denied the)Tj
-34.323 -1.125 Td
(falsification allegations. After presenting its evidence, the government\
conceded that the evidence did not support the)Tj
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(falsification allegations and requested favorable)Tj
/Span<>> BDC
( )Tj
EMC
19.409 0 Td
(findings be made under Guideline E \(R. 31-33\). Based on that)Tj
-19.409 -1.125 Td
(concession, the falsification allegations will not be discussed further.\
In addition, I make the following findings of fact.)Tj
0 -2.125 TD
(1. Applicant is a 41-year-old aircraft mechanic. He has worked in this j\
ob since July 2004. He is seeking to obtain a)Tj
0 -1.125 TD
(security clearance for his employment with a defense contractor.)Tj
0 -2.125 TD
(2. He has been married since 1985. He and his wife have a daughter who i\
s now about 20 years old. His wife is not)Tj
0 -1.125 TD
(employed outside the home.)Tj
0 -2.125 TD
(3. He served as a sailor in the U.S. Navy during 1983-2003. He retired a\
s a petty officer first class \(paygrade E-6\) after)Tj
0 -1.125 TD
(more than 20 years of honorable service.)Tj
0 -2.125 TD
(4. Applicant's history of financial problems started when he was in the \
Navy. His financial problems led the Navy to)Tj
0 -1.125 TD
(take unfavorable action against him. In October 1996, the Navy revoked)Tj
/Span<>> BDC
( )Tj
EMC
29.185 0 Td
(Applicant's security clearance based on)Tj
-29.185 -1.125 Td
(financial issues. In doing so, the Navy noted that they had not received\
a response from Applicant \(Exhibit 2\).)Tj
0 -2.125 TD
(5. He appealed the Navy's decision, and the administrative appeal proces\
s included a personal appearance or hearing)Tj
0 -1.125 TD
(before a DOHA administrative judge \(Exhibit 3\). In March 1997, the Nav\
y)Tj
/Span<>> BDC
( )Tj
EMC
30.27 0 Td
(appellate authority considered Applicant's)Tj
-30.27 -1.125 Td
(appeal and upheld the revocation. In doing so, the Navy noted that altho\
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T*
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/Span<>> BDC
( )Tj
EMC
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(organization in September 1996, he had failed to provide documentation, \
as requested)Tj
-13.024 -1.125 Td
(by the Navy appellate authority, to demonstrate ongoing compliance with \
the plan \(Exhibit 3\).)Tj
0 -2.125 TD
(6. In December 2004, as part of the background investigation, a credit r\
eport was obtained and it revealed unfavorable)Tj
0 -1.125 TD
(information \(Exhibit 8\). For example, the public record section of the\
)Tj
/Span<>> BDC
( )Tj
EMC
28.02 0 Td
(document reports three unpaid judgments against)Tj
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(Applicant for thousands of dollars. An additional credit report was obta\
ined in July 2006, and it further reveals or)Tj
T*
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/Span<>> BDC
( )Tj
EMC
13.593 0 Td
(financial history \(Exhibit 9\). Of note, it reports an additional judgm\
ent, not alleged in)Tj
-13.593 -1.125 Td
(the SOR, )Tj
(taken against Applicant for $476. The judgment was obtained in October 2\
004 and satisfied in April)Tj
/Span<>> BDC
( )Tj
EMC
44.269 0 Td
(2006.)Tj
-44.269 -2.125 Td
(7. The SOR alleges indebtedness to six creditors for delinquent or unpai\
d debts for more than $18,000 in total. Each)Tj
T*
(debt is discussed below.)Tj
0 -2.125 TD
(8. The $3,470 debt in SOR subparagraph 1.a is for a judgment taken again\
st Applicant in September 2004 by a furniture)Tj
0 -1.125 TD
(store \(Exhibit 4\). Applicant agrees this is a valid debt and the judgm\
ent was)Tj
/Span<>> BDC
( )Tj
EMC
30.576 0 Td
(taken when he fell behind on payments. To)Tj
-30.576 -1.125 Td
(date, the judgment has not been satisfied.)Tj
0 -2.125 TD
(9. The $4,683 debt in subparagraph 1.b is for a delinquent credit card a\
ccount. Applicant agrees this is a valid debt and)Tj
0 -1.125 TD
(the account became delinquent when he fell behind on payments. To date, \
this)Tj
/Span<>> BDC
( )Tj
EMC
31.573 0 Td
(account is outstanding.)Tj
-31.573 -2.125 Td
(10. The $542 debt in subparagraph 1.c is for a collection account. Altho\
ugh he admitted to this indebtedness in his reply)Tj
T*
(to the SOR, at the hearing he said he had no idea about this account. Th\
e)Tj
/Span<>> BDC
( )Tj
EMC
29.325 0 Td
(account appears as a collection account in the)Tj
-29.325 -1.125 Td
(July 2006 credit report \(Exhibit 9 at 2\), and Applicant has not provid\
ed any documentary evidence to refute it.)Tj
0 -2.125 TD
(11. The $6,058 debt in subparagraph 1.d is for a judgment taken against \
Applicant in September 2004 by a finance)Tj
ET
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