DEPARTMENT OF DEFENSE
         DEFENSE OFFICE OF HEARINGS AND APPEALS
          
            
In the matter of: )
)
) ISCR Case No. 15-00622
          )
Applicant for Security Clearance )
Appearances
For Government: Candace L. Garcia, Esq., Department Counsel
For Applicant: Pro se
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Decision
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CURRY, Marc E., Administrative Judge:
Applicant failed to provide any documentary evidence to substantiate his
contention that his financial problems are under control. Clearance is denied.
Statement of the Case
On August 15, 2015, the Department of Defense Consolidated Adjudications
Facility (DOD CAF) 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 adjudicative guidelines (AG) implemented by the DOD on
September 1, 2006.
1
 
 On January 9, 2016, Applicant answered the SOR, admitting subparagraphs 1.a
an 1.b, and denying subparagraph 1.d, and not answering subparagraphs 1.c and 1.e.  1
He requested a decision on the record rather than a hearing. On March 14, 2016,
Department Counsel prepared a File of Relevant Material (FORM) consisting of
documents supporting the Government’s allegations. Applicant received the file on
March 18, 2016, and was informed via a transmittal letter, mailed by the Defense Office
of Hearings and Appeals (DOHA), that he had until April 17, 2016 to submit a
response.  Applicant did not reply, and the case was subsequently assigned to me on 2
December 6,  2016.
Findings of Fact
Applicant is a 44-year-old married man with two teenage children from a prior
marriage. After graduating from college in 1995, he entered the Army where he served
on active duty from 1996 to his honorable discharge in 1999. (Item 3 at 19) Since
August 2008, he has worked for the same employer. He has held a security clearance
since 2009. 
Applicant has approximately $36,000 of delinquent debt. (Items 5-6)
Approximately $24,000 of this debt, as alleged in SOR subparagraph 1.a, constitutes
child support arrearages, and the remainder of the debt is owed to credit-card
companies. Applicant contends that he is paying the child support obligation through a
wage garnishment, and that he has satisfied subparagraph 1.d, and is in the process of
consolidating the remaining SOR delinquent debts. He provided no corroborating
evidence supporting any of these contentions.
Policies
The adjudicative guidelines list potentially disqualifying conditions and mitigating
conditions. 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 conscientious
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.” 
During an interview with an investigative agent in August 2012, Applicant contended that he had satisfied1
subparagraphs 1.c and 1.e. Therefore, I shall construe his non-Answer to these SOR allegations as denials.
The transmittal letter is included in the file as Administrative Exhibit I.2
2
 
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 for obtaining a favorable security
decision.
Under the whole-person concept, 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.
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) Applicant has approximately $36,000 of outstanding delinquent debt, the
majority of which is composed of a child-support delinquency. AG ¶ 19(a), “inability or
unwillingness to satisfy debts,” and AG ¶ 19(c), “a history of not meeting financial
obligations,” apply.
The following mitigating conditions under AG ¶ 20 are potentially applicable.
(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;
(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; and  
(d) the individual initiated a good-faith effort to repay overdue creditors or
otherwise resolve debts. 
3
 
 Applicant provided no evidence supporting his contention that he has either
satisfied or is making payments towards the satisfaction of any of the SOR debts. Under
these circumstances, none of the mitigating circumstances applies, and Applicant has
failed to mitigate the financial considerations security concerns.
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: AGAINST APPLICANT
Subparagraphs 1.a-1.e: Against Applicant
Conclusion
In light of all of the circumstances presented by the record in this case, it is not
clearly consistent with the national interest to grant Applicant eligibility for a security
clearance. Eligibility for access to classified information is denied.
MARC E. CURRY
Administrative Judge
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