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

With an entirely new identity comes an entirely new attitude. I am now Maryland Moore.