KEYWORD: Financial
DIGEST: Applicant has significant old and unpaid debts. Her estranged husband is addicted to
painkillers and cocaine. About five years ago, he began systemically taking her income to pay for
his drug addict. They separated in March 2003, but are not divorced because his whereabouts are
unknown. His actions left little money to pay bills. Her income pays her monthly expenses, but
does not provide her with money to repay her old debts, most of which are time barred from
collection. She currently helps care for her elderly father. She is current in her bills and has not
acquired more unpaid debt in more than two years. She has maintained steady employment for
eight years. She has mitigated the government’s financial concerns. Eligibility for a position of
trust is granted.
CASENO: 06-14362.h1
DATE: 04/30/2007
DATE:  April 30, 2007
In re:
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SSN: ------------
Applicant for Public Trust Position
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ADP Case No. 06-14362
DECISION OF ADMINISTRATIVE JUDGE
MARY E. HENRY
APPEARANCES
FOR GOVERNMENT
Richard Stevens, Esq., Department Counsel
FOR APPLICANT
Pro Se
 This action was taken under Executive Order 10865, dated February 20, 1960, as amended; and  Memorandum1
from the Deputy Under Secretary of Defense Counterintelligence and Security, titled “Adjudication of Trustworthiness
Cases,” dated November 19, 2004.
Tr. at 11.2
2
SYNOPSIS
Applicant has significant old and unpaid debts. Her estranged husband is addicted to
painkillers and cocaine. About five years ago, he began systemically taking her income to pay for
his drug addict. They separated in March 2003, but are not divorced because his whereabouts are
unknown. His actions left little money to pay bills. Her income pays her monthly expenses, but does
not provide her with money to repay her old debts, most of which are time barred from collection.
She currently helps care for her elderly father. She is current in her bills and has not acquired more
unpaid debt in more than two years. She has maintained steady employment for eight years. She has
mitigated the government’s financial concerns. Eligibility for a position of trust is granted.
STATEMENT OF CASE
On August 24, 2004, Applicant submitted an application for a position of public trust, an
ADP I/II/III position. The Defense Office of Hearings and Appeals (DOHA) declined to grant the
application under Department of Defense Directive 5220.6, Defense Industrial Personnel Security
Clearance Review Program (Jan. 2, 1992), as amended (the “Directive”).  On October 24, 2006,1
DOHA issued Applicant a Statement of Reasons (SOR), detailing why it could not make the
preliminary affirmative finding under the Directive that it is clearly consistent with the national
interest to grant or continue eligibility for a public trust position. Specifically, the SOR, which is in
essence the administrative complaint, alleged security concerns arising under Guideline F (Financial
Considerations) of the revised Adjudicative Guidelines (AG) issued on December 29, 2005 and
implemented by the Department of Defense, effective September 1, 2006. DOHA recommended the
case be referred to an administrative judge to determine whether eligibility for a position of trust
should be granted, continued, denied, or revoked.
In a sworn statement dated December 19, 2006, Applicant responded to the SOR allegations
and requested a hearing. DOHA assigned this case to me on February 8, 2007, and issued a notice of
hearing on March 2, 2007. At the hearing on March 21, 2007, Applicant waived her right to receive
the notice of the hearing 15 days prior to the hearing date. I conducted the hearing as scheduled.  The2
government submitted five exhibits (GE) which were marked and admitted into the record as GE 1-5,
without objection. Applicant submitted 17 exhibits (App Ex), which were marked and admitted as
App Ex A-Q, without objection. Applicant testified on her own behalf. I held the record open until
April 11, 2007 for the submission of additional evidence. Applicant timely submitted five additional
exhibits, which are marked and admitted as App Ex R-V, without objection. DOHA received the
hearing transcript (Tr.) on April 10, 2007.
FINDINGS OF FACT
Applicant’s response to the SOR, dated December19, 2006.3
GE 1 (Applicant’s Questionnaire for a Position of Public Trust) at 1, 3.4
Id.; Tr. at 43-46.5
App Ex E (Medical progress note on husband, dated April 25, 2003) at 1;Tr. at 46-47.6
App Ex D (Letter, dated April 28, 2003) at 1-3; App Ex E, supra note 6; Tr. at 42, 51.7
Tr. at 54-56.8
3
In her SOR response, Applicant admits to all the SOR allegations under Guideline F, but
denies the overall concern.  Applicant’s admissions are incorporated herein. In addition, after a3
thorough and careful review of the pleadings, exhibits, and testimony, I make the following findings
of fact.
Applicant, a 38-year-old woman and high school graduate, works as a claims associate for a
Department of Defense contractor, and seeks a position of public trust. She has worked for her
employer for more than eight years.4
In July 1995, at age 26, Applicant married a man 12 years her senior. In 1996, her husband
sustained an on-the-job injury to his shoulder. His employer lacked workers compensation insurance,
leaving them to pay the bills. Her husband stopped working and began disappearing from home two-
four days a week. He always told her some reason for his absence. She eventually learned that he was
addicted to cocaine. She also realized that he had started writing and signing checks with her name.5
In 1998, Applicant transferred jobs and moved with her husband to another city. Her husband
entered a drug rehabilitation program, which she funded, and he completed eight months later. In
2002, her husband began disappearing from home for days at a time. When she returned home after
attending an out-of-town seminar, she discovered that her husband had taken all the money out of
their joint checking account, leaving her with no funds to pay bills. In the house, she found evidence
of cocaine use and documents from his doctors. After reviewing these documents, she realized that
he was addicted to pain pills and that he was most likely using cocaine again.6
On April 28, 2003, the State Solicitor for the county where Applicant lived notified her
husband that he had been accepted into a Pre-Trial Intervention program, which included random drug
testing. Her husband paid the participation fee of $250, but did not complete the program. She
decided not to pay for a second drug treatment program and to end her marriage. She moved home
30 days later, after her employer granted her request for a transfer. She has not seen her husband since
she left him in May 2003. She last had contact with him in December 2003. She does not know where
he is, and cannot divorce him.7
During her marriage, her estranged husband opened joint checking accounts, then depleted
all the funds in the accounts. She finally opened an account in her name and had her paycheck
deposited in the account. Once she did this, he no longer used her earnings to pay for his drug habit.8
App Ex R (Applicant’s federal tax return for 2004); App Ex S (Applicant’s federal tax return for 2005); App9
Ex T (Applicant’s federal tax return for 2006); Tr. at 57, 60.
App Ex U (Applicant’s wage and earnings statements from December 22, 2006 through March 30, 2007); GE10
2 (Applicant’s answers to interrogatories, dated September 6, 2006) at 9; Tr. at 65.
SOR at 1-3; GE 3 ( Credit report, dated October 14, 2004); GE 4 (Credit report, dated June 14, 2006); GE11
5 (Credit report, dated February 7, 2007); App Ex. H through M (Copies of payments on credit accounts in 2001); Tr.
at 46-53.
App Ex V (Confirmation on credit counseling class) at 1; Tr. at 62, 64, 73.12
App Ex B (Letter, dated December 20, 2006); App. Ex. A (letter, dated August 20, 2003); Tr. at 43-44.13
4
In 2004, Applicant earned $27,772. In 2005, her income totaled $28,686. However, in 2006,
she earned only $19,677 because she took time from work to care for her sick, elderly father,
following two brain surgeries. She continues to provide care for him, using the provisions of the
Family and Medical Leave Act to account for her unpaid and unscheduled absences from work.9
When she works full-time, she earns approximately $2,300.00 in gross monthly income, and
her net monthly income is approximately $1,617.00. Her monthly expenses total approximately
$1,625, including repairs to her old car. With her income, she can pay her bills. She does not use
credit cards for purchases, only her debt card when cash is available. In the last three months, her
monthly income has been significantly less than normal because of the time she has missed from work
while caring for her father. Her parents have been assisting her with payment of her bills.10
The SOR lists 19 delinquent and unpaid debts, totaling $27,145. All of these debts are more
than three years old, except the $1,620 bank overdraft debt in allegation 1.j, the $258 personal loan
in allegation 1.l and the $1,100 credit card debt in allegation 1.p. Applicant established that until
2001, she regularly and timely paid on her credit debt. When her estranged husband took all the
financial assets to pay for his restarted drug habit, she lacked sufficient funds to pay all the bills. She
paid the essentials, such as rent, utilities and food, when she could. She asked her estranged husband
to sign over to her a car titled in both names. He refused and requested that she give the car to him.
She declined because she did not want him driving a car with her name on the title when he may be
on drugs and could cause harm to others for which she would be responsible. She requested the
noteholder to take the car on a voluntary repossession, but it could not do so because her husband
needed to sign the title. The noteholder involuntarily repossessed the car, after she told them where
to find it.11
Applicant has not paid any of her delinquent debts nor has she made any arrangements to pay
these debts because she lacks the payment funds. She recently participated in an employer sponsored
program on ways to resolve and control debt. She is considering filing bankruptcy to eliminate her
older debts.12
Applicant’s former employer states that “Her unsurpassed customer service expertise coupled
with her precise bookkeeping skills quickly made her a valued asset.” She would not question
Applicant’s integrity and would rehire her at any time. Applicant lives a simple life and does not want
to change it. She drives a 14-year-old car.13
 Department of the Navy v. Egan, 484 U.S. 518, 527 (1988).  14
 Directive, ¶ E2.2.1.15
 Id.16
 Id.17
5
POLICIES
The President has “the authority to . . . control access to information bearing on national
security and to determine whether an individual is sufficiently trustworthy to occupy a position … that
will give that person access to such information.”  In Executive Order 10865, Safeguarding14
Classified Information Within Industry (Feb. 20, 1960), the President set out guidelines and
procedures for safeguarding classified information and determining trustworthiness within the
executive branch. 
To be eligible for a security clearance or access to sensitive information, an applicant must
meet the security guidelines contained in the Directive. Enclosure 2 of the Directive sets forth
personnel security guidelines, as well as the disqualifying conditions and mitigating conditions under
each guideline. The adjudicative guideline at issue in this case are: 
Guideline F - Financial Considerations - An individual who is financially
overextended is at risk of having to engage in illegal or unethical acts to generate
funds to meet financial obligations. Similarly, an individual who is financially
irresponsible may also be irresponsible, unconcerned, or careless in their obligation
to protect classified or sensitive information. Behaving responsibly or irresponsibly
in one aspect of life provides an indication of how a person may behave in other
aspects of life.
Conditions that could raise a trustworthiness concern and may be disqualifying, as well as those
which could mitigate security concerns pertaining to this adjudicative guideline, are set forth and
discussed in the conclusions below.
The adjudicative process is an examination of a sufficient period of a person’s life to make
an affirmative determination that the person is eligible for a security clearance.  An administrative15
judge must apply the “whole person concept,” and consider and carefully weigh the available, reliable
information about the person.  An administrative judge should consider the following factors: (1) the16
nature, extent, and seriousness of the conduct; (2) the circumstances surrounding the conduct, to
include knowledgeable participation; (3) the frequency and recency of the conduct; (4) the
individual’s age and maturity at the time of the conduct; (5) the voluntariness of participation; (6) the
presence or absence of rehabilitation and other pertinent behavioral changes; (7) the motivation for
the conduct; (8) the potential for pressure, coercion, exploitation, or duress; and (9) the likelihood of
continuation or recurrence.17
 Directive, ¶ E3.1.14.18
 Directive, ¶ E3.1.15.19
 ISCR Case No. 01-20700 at 3 (App. Bd. December 19, 2002).20
 Directive, ¶ E2.2.2.21
6
Initially, the Government must present evidence to establish controverted facts in the SOR that
disqualify or may disqualify the applicant from being eligible for access to classified information.18
Thereafter, the applicant is responsible for presenting evidence to rebut, explain, extenuate, or
mitigate the facts.  An applicant “has the ultimate burden of demonstrating that it is clearly consistent19
with the national interest to grant or continue his security clearance.”  Any doubt as to whether20
access to classified information is clearly consistent with national security will be resolved in favor
of the national security.  The same rules apply to trustworthiness determinations for access to21
sensitive positions.
CONCLUSIONS
I have carefully considered all the facts in evidence and the legal standards. The government
has established a prima facie case for disqualification under Guideline F - Financial Considerations.
Financial Considerations
Under Guideline F, the “failure or inability to live within one’s means, satisfy debts, and meet
financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by
rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness
and ability to protect classified information. An individual who is financially overextended is at risk
of having to engage in illegal acts to generate funds.” (AG ¶ 18.) The credit reports reflect numerous
old, unpaid debts. Because of the age of these debts and their delinquent status, Applicant showed an
inability or unwillingness to pay her debts. Based on the evidence of record, the government
established the applicability of Disqualifying condition (DC) ¶ 19 (a) inability or unwillingness to
satisfy debts and DC ¶ 19 (c) a history of not meeting financial obligations.
Applicant left her husband in May 2003. She last contacted him in December 2003. Since then,
she has not been in contact with her estranged husband and does not know where he is. She has no
intent to continue her relationship with him, and would divorce him if she could locate him. Because
she wanted to stop his theft of her earnings, she opened a checking account in her name only, and
directed that her paycheck be sent to this account. By so doing, she denied her estranged husband
access to her money. She does not use credit cards anymore. She limits herself to using her debt card
to pay for her purchases. Mitigating Condition (MC) ¶ 20(a) the behavior . . . occurred under such
circumstances that it is unlikely to reoccur and does not cast doubt on the individual’s current
reliability, trustworthiness, or good judgment applies because her estranged husband can no longer
use her earnings to fund his drug habit. She can, and does, pay her monthly bills.
One year after her marriage, Applicant’s husband sustained an injury. He managed the pain
with cocaine. Although he successfully completed a drug rehabilitation program in 1998, within four
The remaining financial considerations mitigating condition set forth in AG 20 (f) does  not apply in this case.22
See ISCR Case No. 04-07360 at 2 (App. Bd. Sept. 26, 2006) (stating partial credit was available under FCMC23
6 for debts being resolved through garnishment). 
7
years, Applicant’s husband had become addicted to pain killers and had started using cocaine again.
To support his habits, he stole all the household money, leaving no money to pay bills. His continual
theft of household income made it impossible for her to pay all their bills. She paid what and when she
could. After a year of his behavior, Applicant left him. More recently, she has assumed significant
responsibility for the care of her elderly father after brain surgery, which has required her to take
unpaid leave from work. MC ¶ 26 (b) the conditions that resulted in the financial problem were
largely beyond the person’s control (e.g., loss of employment, a business downturn, unexpected
medical emergency, or a death, divorce or separation), and the individual acted responsibly under the
circumstances applies. The evidence reflects that she acted responsibly under the circumstances.
Recently, Applicant enrolled in a credit counseling course sponsored by her employer to learn
how to resolve these credit problems. She is looking into bankruptcy. Since she has not actually filed
for bankruptcy, this fact is entitled to little weight. MC ¶ 20 (c) the person has received or is receiving
counseling for the problem and/or there are clear indications that the problem is being resolved or
is under control has some applicability.
Applicant has not paid any of her debts and has not made any effort to develop a payment plan
with her creditor. MC ¶ 20 (d) the individual initiated a good-faith effort to repay overdue creditors
or otherwise resolve debts does not apply. 
In her response, Applicant disputes the debts alleged in paragraphs 1.e, 1.f, 1.j, and 1.r of the
SOR. She has not provided documentation that she formally disputed these debts with the credit
reporting agencies. Thus, MC ¶ 20 (e) the individual has a reasonable basis to dispute the legitimacy
of the past-due debt which is the cause of the problem and provides documented proof to substantiate
the basis of the dispute or provides evidence of actions to resolve the issue does not apply.22
She does, however, receive some credit in the whole person analysis, infra, for the application
of the 3-year State statute of limitations, which applies to SOR allegations 1.a - 1.I, 1.k, 1.m, 1.n, 1.q,
and 1.r, which are primarily credit card debts, unpaid personal loans, and telephone bills. See State
Code. Ann. § 15-3-530.  The Court of Appeals succinctly explained the societal and judicial value23
of application of the statute of limitations:
Statutes of limitations embody important public policy considerations in that they
stimulate activity, punish negligence and promote repose by giving security and
stability to human affairs. The cornerstone policy consideration underlying statutes of
limitations is the laudable goal of law to promote and achieve finality in litigation.
Significantly, statutes of limitations provide potential defendants with certainty that
after a set period of time, they will not be ha[led] into court to defend time-barred
claims. Moreover, limitations periods discourage plaintiffs from sitting on their rights.
Statutes of limitations are, indeed, fundamental to our judicial system.
See ISCR Case No. 04-06242 at 2 (App. Bd. June 28, 2006).24
8
Carolina Marine Handling, Inc. v. Lasch, 609 S.E.2d 548, 552 (Ct. App. 2005) (internal quotation
marks and citations omitted).
Elimination of 90% of her delinquent debt through the statute of limitations has ended her
potential vulnerability to improper financial inducements to pay these debts because she is no longer
“financially overextended”, but it does not negate her past conduct in not paying her outstanding debts.
Whole Person Analysis
In all adjudications, the protection of our national security is the paramount concern. The
objective of the trustworthy determination process is the fair-minded, commonsense assessment of a
person’s life to make an affirmative determination that the person is eligible for assignment to sensitive
duties. Indeed, the adjudicative process is a careful weighing of a number of variables in considering
the “whole person” concept. It recognizes that we should view a person by the totality of her acts,
omissions, motivations and other variables. Each case must be adjudged on its own merits, taking into
consideration all relevant circumstances, and applying sound judgment, mature thinking, and careful
analysis.
Applicant married a man who developed a cocaine habit and later became dependent on pain
killers. For a number of years, she paid her bills. She also financed a drug rehabilitation program for
her estranged husband. However, in 2002, he returned to his drug use and began severely depleting
the funds in their joint banking accounts to pay for his drug habits. She managed to pay some basic
living expenses, but could not pay many of her now delinquent bills. She allowed a car to be
repossessed before she would permit her estranged husband to have it because she feared the harm he
could cause should he drive while high on drugs, a very likely occurrence. She left him because she
realized he would not resolve his drug problem, and did not want to be a part of the problems created
as a result of his addiction. She ended her relationship with him almost four years ago. Since then, the
number of delinquent debts have declined. For the last two and one-half years, she has paid her current
bills and lived within her financial means. She cares for her elderly father, using unpaid leave under
the Family and Medical Leave Act. Her work ethic, skills and integrity are support by her continuous
employment and the statement of her former employer. Her estranged husband’s drug habits created
serious financial problems for her. These problems will not occur in the future because he is out of her
life and will not be allowed back into her life. She lives quietly and simply, and has no desire to change
her lifestyle. Although she has not paid her debts, there is very little likelihood that she will engage
in illegal acts to generate funds, particularly since she did not compromise her employer’s sensitive
information during her time of severe financial distress to pay her bills after her husband deleted the
bank accounts. After weighing the disqualifying and mitigating conditions, and all the facts and
circumstances, in the context of the whole person,  I conclude she has mitigated the trustworthiness24
concerns pertaining to her finances. 
FORMAL FINDINGS
Formal Findings for or against Applicant on the allegations set forth in the SOR, as required
by Section E3.1.25 of Enclosure 3 of the Directive, are:
9
SOR ¶ 1-Guideline F: FOR APPLICANT
Subparagraphs a-r: For Applicant
DECISION
In light of all of the evidence presented in this case, it is clearly consistent with the national
interest to grant Applicant eligibility for assignment to sensitive duties. Eligibility is granted.
Mary E. Henry
Administrative Judge