DATE: December 11, 2007
In Re:
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SSN: -----------
Applicant for Security Clearance
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ISCR Case No. 06-24898
DECISION OF ADMINISTRATIVE JUDGE
JOSEPH TESTAN
APPEARANCES
FOR GOVERNMENT
Eric H. Borgstrom, Department Counsel
FOR APPLICANT
Pro Se
SYNOPSIS
Applicant’s failure to address his long-standing delinquent debts precludes a finding that it
is clearly consistent with the national interest to grant him access to classified information. Clearance
is denied.
STATEMENT OF THE CASE
On April 20, 2007, the Defense Office of Hearings and Appeals (DOHA), pursuant to
Executive Order 10865 and Department of Defense Directive 5220.6 (Directive), dated January 2,
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1992, issued a Statement of Reasons (SOR) to applicant which detailed reasons why DOHA could
not make the preliminary affirmative finding under the Directive that it is clearly consistent with the
national interest to grant or continue a security clearance for applicant and recommended referral to
an Administrative Judge to determine whether clearance should be denied or revoked.
Applicant responded to the SOR in writing on May 16 and June 25, 2007, and elected to have
his case determined on a written record in lieu of a hearing. Department Counsel (DC) submitted the
Government's written case (FORM) on or about July 14, 2007. Applicant did not file a response to
the FORM. The case was assigned to me on December 5, 2007.
FINDINGS OF FACT
Applicant is a 36 year old employee of a defense contractor.
SOR Allegation 1a: Applicant is indebted to this creditor (RPI) in the approximate amount
of $7,941.00. The debt was placed for collection over ten years ago.
SOR Allegation 1b: Applicant has a second delinquent debt with RPI. This debt, in the
approximate amount of $2,584.00, was also placed for collection over ten years ago.
SOR Allegation 1c: Applicant is indebted to MCI in the approximate amount of $1,284.00.
This debt was placed for collection over five years ago.
SOR Allegation 1d: Applicant is indebted to Midland Credit in the approximate amount of
$2,285.00 as a result of a judgment entered against him in 2001.
SOR Allegation 1e: Applicant is indebted to AAC in the approximate amount of $3,769.00.
This debt was placed for collection in 2004.
SOR Allegation 1f: Applicant is indebted to Natnl Cred in the approximate amount of
$2,547.00 for an account placed for collection in 2004.  
There is no evidence applicant has made any payments to any of these creditors since the
debts went delinquent.
 
CONCLUSIONS
The evidence establishes that applicant has six debts, totaling approximately $20,000.00, that
have been past-due for many years. Applicant’s failure to honor his financial obligations reflects
adversely on his judgment and reliability, and suggests he cannot be relied upon to safeguard
classified information. Disqualifying Conditions 19a. (inability or unwillingness to satisfy debts) and
19c. (a history of not meeting financial obligations) are applicable.
FOR OFFICIAL USE ONLY
When unredacted this document contains information
EXEMPT FROM MANDATORY DISCLOSURE under the FOIA
Exemption 6 applies 3
Once the Government established a prima facie case under Guideline F, the burden shifted
to applicant to produce evidence in mitigation, extenuation, or reformation sufficient to overcome
the security concerns raised by his financial irresponsibility. Applicant failed to meet his burden. He
failed to offer any credible evidence that he (1) has taken any action to address any of his past-due
debts, (2) is in a position to significantly reduce this past-due indebtedness anytime soon, or (3) is
unlikely to experience additional financial difficulties. He does not qualify for any Mitigating
Conditions. Based on the foregoing, and after consideration of the “whole person” factors set forth
in Enclosure 2 of the Directive, Guideline F is found against applicant.
FORMAL FINDINGS
PARAGRAPH 1: AGAINST THE APPLICANT
DECISION
In light of all the circumstances presented by the record in this case, it is not clearly consistent
with the national interest to grant or continue a security clearance for applicant.
____________________________
Joseph Testan
Administrative Judge