Please accept this letter as my formal apology for what happened due to my lack of good judgement. I was a fool and took advantage of a great opportunity.  
It was not my intention to cause any damage, I believe the situation resulted from the pressure I felt with my overwhelming bills.
While this is by no means an excuse for my behavior, knowing the cause will help me guard against future mistakes.
Again, I am sorry for what happened. I look forward to putting this matter behind us. If allowed to, I will rectify all my past behaviors and not let anyone down from here on, as you able to view by my latest reviews