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                           DEPARTMENT OF DEFENSE
         DEFENSE OFFICE OF HEARINGS AND APPEALS
          
            
In the matter of: )
)
)       ISCR Case No. 08-08660
SSN:           )
)
Applicant for Security Clearance )
Appearances
For Government: Alison O’Connell, Esquire, Department Counsel
For Applicant: Pro Se
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Decision
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CURRY, Marc E., Administrative Judge:
Applicant mitigated the security concern raised under Guideline F, financial
considerations. Clearance is granted.
On February 12, 2009, the Defense Office of Hearings and Appeals (DOHA)
issued a Statement of Reasons (SOR) to Applicant detailing security concerns under
Guideline F, financial considerations. The action was taken under Executive Order
10865, Safeguarding Classified Information within Industry (February 20, 1960), as
amended; Department of Defense Directive 5220.6, Defense Industrial Personnel
Security Clearance Review Program (January 2, 1992), as amended (Directive); and the
revised adjudicative guidelines (AG) promulgated by the President on December 29,
2005, and effective within the Department of Defense for SORs issued after September
1, 2006.
Applicant answered the SOR on March 18, 2009, admitted all of the allegations
and requested an administrative determination. On May 27, 2009, Department Counsel
prepared a File of Relevant Material (FORM). Applicant received it on June 3, 2009, and
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provided a nine-page reply on June 18, 2009. On June 25, 2009, the case was
assigned to me.
Findings of Fact
Applicant is a 52-year-old, single man. He was married for three years in the
1990s. The marriage ended in divorce.
Applicant has been a naturalized U.S. citizen since 1992. The FORM contains no
record of when he emigrated to the U.S. However, judging from the date he attended
trade school in the U.S. (1986 to 1987), he has been living here for at least 23 years
(Item 5 at 13).
Since approximately March 2008, Applicant has worked in an overseas combat
theatre as an interpreter/linguist (Response to FORM at 3). Because of his unique
language proficiency gained as a native of the country, he is “one of the most qualified
and distinguished interpreters available” (Id.). His knowledge and personal experiences
have helped interrogators “understand both the culture and the mentality” of the
insurgents (Response at 4). His work ethic is “unprecedented” (Id.).
As of October 2008, Applicant owed four creditors approximately $21,000 in
delinquent debt (Item 1). Approximately $9,100 constitutes a deficiency remaining from
an April 2008 foreclosure (SOR subparagraph 1.d - Item 7 at 3). Two debts, collectively
totalling approximately $11,500, are owed to credit card companies (SOR
subparagraphs 1.a and 1.c), and the remaining debt is a medical bill for approximately
$500 (SOR subparagraph 1.b). 
Applicant’s debts began growing delinquent in 2002. The record contains no
evidence concerning the origins of Applicant’s financial delinquencies. He admitted that
his home was foreclosed, but denies he is subject to liability for any deficiency. He
provided a copy of a form that the lender filed with the Internal Revenue Service
certifying that he is not liable for this debt (Item 4 at 11). I find that Applicant is not
subject to liability for the deficiency.
Applicant satisfied SOR subparagraph 1.b in March 2009 (Item 4 at 10). He
satisfied SOR subparagraph 1.c in August 2007 (Response at 2). In his Interrogatory
Responses, he disclosed another delinquent account, owed to the creditor listed in SOR
subparagraph 1.c, for approximately $3,000. By May 2009, he had satisfied this debt
(Response at 11).
The debt listed in SOR subparagraph 1.a remains outstanding. Applicant’s
research of this debt has revealed that the original creditor is no longer the holder.
Instead, successive assignees have purchased it over the years (Item 4 at 8). The fact
that Applicant has worked continuously overseas for the past 18 months has hindered
his efforts to locate the current holder of this debt.
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Applicant earns approximately $7,269 of net monthly income (Item 6 at 10). He
has approximately $5,400 in monthly, after-expense income, and approximately $1,900
in investments (Id.).
Policies
When evaluating an applicant’s suitability for a security clearance, the
administrative judge must consider the revised adjudicative guidelines (AG). In addition
to brief introductory explanations for each guideline, the adjudicative guidelines list
potentially disqualifying conditions and mitigating conditions, which are useful in
evaluating an Applicant’s eligibility for access to classified information.
These guidelines are not inflexible rules of law. Instead, recognizing the
complexities of human behavior, they are applied together with the factors listed in the
adjudicative process. According to AG ¶ 2(c), the entire process is a scrutiny of a
number of variables known as the “whole person concept.” The administrative judge
must consider all available, reliable information about the person, past and present,
favorable and unfavorable, in making a decision.
The protection of the national security is the paramount consideration. AG ¶ 2(b)
requires that “[a]ny doubt concerning personnel being considered for access to
classified information will be resolved in favor of national security. Under Directive ¶
E3.1.14, the government must present evidence to establish controverted facts alleged
in the SOR. Under Directive ¶ E3.1.15, the applicant is responsible for presenting
“witnesses and other evidence to rebut, explain, extenuate, or mitigate facts admitted by
applicant or proven by Department Counsel. . . .” The applicant has the ultimate burden
of persuasion as to obtaining a favorable security decision. 
Analysis
Guideline F, Financial Considerations
Under this guideline, “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”
(AG ¶ 18). Moreover, “an individual who is financially overextended is at risk of having
to engage in illegal acts to generate funds” (Id.). Applicant’s financial delinquencies
trigger the application of AG ¶¶ 19(a), “inability or unwillingness to satisfy debts,” and
19(c), “a history of not meeting financial obligations.” 
The record contains no evidence of the circumstances surrounding the accrual of
Applicant’s debt. He accrued at least one of the debts more than six years ago. Neither
AG ¶ 20(a), “the behavior happened so long ago, was so infrequent, or occurred under
such circumstances that it is unlikely to recur and does not cast doubt on the individual’s
current reliability, trustworthiness, or good judgment,” nor AG ¶ 20(b), “the conditions
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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”
apply.
Applicant has satisfied two of the delinquencies completely. He is not legally
responsible for the deficiency remaining from the home foreclosure. Although one debt
remains outstanding, he has attempted to contact the current account holder to resolve
it. He has ample discretionary income to satisfy this debt. Having addressed the other
three obligations, I believe Applicant is likely to pay the remaining debt once he locates
its holder. AG ¶¶ 20(c), “. . . there are clear indications that the problem is being
resolved or is under control,” and 20(d), “the individual initiated a good-faith effort to
repay overdue creditors or otherwise resolve debts,” apply.
 
Whole Person Concept
Under the whole person concept, the administrative judge must evaluate an
applicant’s eligibility to occupy a sensitive position by considering the totality of the
applicant’s conduct and all the circumstances. The administrative judge should consider
the nine adjudicative process factors listed at AG ¶ 2(a). They are as follows: 
(1) the 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 extent to
which participation is voluntary; (6) the presence or absence of
rehabilitation and other permanent 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.
Under AG ¶ 2(c), the ultimate determination must be an overall commonsense
judgment based upon careful consideration of the guidelines and the whole person
concept.
Although Applicant has satisfied two of the delinquencies, and is no longer
responsible for a third, one remains outstanding. Also, I am concerned that the FORM
provides no evidence regarding his accrual of the delinquencies. However, these
concerns are outweighed by the positive factors in Applicant’s favor - his diligent steps
to resolve the outstanding delinquency, his disclosure and resolution of an unlisted debt,
and his strong work ethic. Upon considering this case in light of the whole person
concept, I conclude Applicant has mitigated the security concern.
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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:
Paragraph 1, Guideline F: FOR APPLICANT
Subparagraphs 1.a - 1.d: For Applicant
Conclusion
In light of all of the circumstances presented by the record in this case, it is
clearly consistent with the national interest to grant Applicant eligibility for a security
clearance. Eligibility for access to classified information is granted.
                                             
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MARC E. CURRY
Administrative Judge