Dear {Name},
I'm sorry to have been late on the last payment for {rent/utilities/cable/etc.}. I appreciate you covering me, but it shouldn't have been an issue in the first place, and I feel terrible that I put you in that situation at all.
You deserve to live with someone who can maintain a stable living space and pay bills on time. I promise that this lapse will not happen again.
{Name}
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Index of letter of apology templates
