KEYWORD: Guideline F
DIGEST: The adverse impact of a security clearance decision is not relevant in evaluating
clearance eligibility.  Adverse decision affirmed.
CASENO: 11-10758.a1
DATE: 05/21/2013
DATE: May 21, 2013
In Re:
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Applicant for Security Clearance
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ISCR Case No. 11-10758
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro se
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On
October 1, 2012, DoD issued a statement of reasons (SOR) advising Applicant of the basis for that
decision–security concerns raised under Guideline F (Financial Considerations) of Department of
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Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant requested a hearing.
On March 14, 2013, after the hearing, Defense Office of Hearings and Appeals (DOHA)
Administrative Judge Michael H. Leonard denied Applicant’s request for a security clearance.
Applicant appealed pursuant to Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raised the following issues on appeal: whether the Judge considered all of the
record evidence and whether the adverse decision was arbitrary, capricious, or contrary to law.
Consistent with the following, we affirm.  
The Judge’s Findings of Fact
Applicant has five unpaid judgments and five collection or charged off accounts, totaling
about $29,489.  He has a lengthy history of financial problems, which he attributes to periods of
unemployment and underemployment.  Both he and his wife have been laid off from jobs during the
past ten years.  He defaulted on a mortgage, but the lender agreed to a modification, and Applicant
is now in good standing regarding this debt.  He also paid off two other debts by means of
garnishment.  These debts were not alleged in the SOR.  Concerning those debts that were alleged,
Applicant has neither paid, settled, or resolved any of them.  He has made payment on one of them,
through garnishment.  However, the debt was not paid off because Applicant left his job, and the
garnishment did not follow him to his subsequent employment.  His plan to address his debts is to
contact creditors, beginning with the smaller debts, and pay them off as quickly as possible.  
The Judge’s Analysis
Concluding that Applicant’s circumstances raised Guideline F concerns, the Judge was not
able to extend favorable application to any of the mitigating conditions.  He stated that Applicant
has not established a plan to pay off his debts and that he offered no details on how he proposed to
resolve them.  The Judge characterized Applicant’s plan for debt resolution as “speculative and
unrealistic.”  Decision at 7.  The Judge stated that garnishment is not the same as a good-faith effort
to pay off debt because it is involuntary.
Discussion 
Applicant cites to evidence that some of his debts had been repaid and that he is current on
his mortgage.  He takes issue with the Judge’s treatment of his garnishment actions, insofar as these
actions did result in debt satisfaction.  He also cites to evidence of his good character, such as his
volunteer activities in the community.  A Judge is presumed to have considered all of the evidence
in the record.  See, e.g., ISCR Case No. 12-09329 at 3 (App. Bd. Mar. 18, 2013).  The Judge
addressed Applicant’s having resolved some of his debts, including his mortgage.  However,
considering the record as a whole, the Judge’s overall decision is sustainable.  We note the Judge’s
comments that Applicant had failed to articulate a credible plan of debt resolution.  These comments
were consistent with the record before him.  Moreover, we find no reason to conclude that the Judge
weighed the evidence, including the evidence of the garnishment actions, in a manner that was
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arbitrary, capricious, or contrary to law.  See, e.g., ISCR Case No. 11-08087 at 3 (App. Bd. Mar. 5,
2013).
Applicant notes the effect that a clearance denial may have upon his employment.  However,
the adverse impact of an unfavorable decision is not relevant in evaluating clearance eligibility.  See,
e.g., ISCR Case No. 06-23613 at 4 (App. Bd. Feb. 4, 2013).  
The record supports a conclusion that the Judge examined the relevant data and articulated
a satisfactory explanation for the decision.  The Judge’s adverse decision is sustainable on this record.
“The general standard is that a clearance may be granted only when ‘clearly consistent with the
interests of the national security.’”  Department of the Navy v. Egan, 484 U.S. 518, 528 (1988).  See
also Directive, Enclosure 2 ¶ 2(b):  “Any doubt concerning personnel being considered for access
to classified information will be resolved in favor of the national security.”
Order
The Decision is AFFIRMED.  
Signed: Michael Y. Ra’anan        
Michael Y. Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: Jeffrey D. Billett               
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: James E. Moody               
James E. Moody
Administrative Judge
Member, Appeal Board