1.
“Sorry
guys,
I
owe
some
of
you
money”】
2.
“I
know
it’s
been
a
while
since
I
borrowed
from
you”】
3.
“I
want
to
make
things
right
and
pay
you
back
ASAP”】
4.
“I
promise
to
never
let
this
happen
again”】
5.
“I’m
sorry
for
any
inconvenience
I
have
caused”】
6.
“Let’s
talk
about
how
I
can
repay
you”】
7.
“I
understand
how
frustrating
it
can
be
to
be
owed
money”】
8.
“I
appreciate
your
patience
and
understanding”】
9.
“I’ve
been
going
through
a
tough
time
and
I
apologize
for
any
delays”】
10.
“I’m
committed
to
making
sure
you
get
what
is
owed
to
you”】
11.
“I
value
our
friendship
and
want
to
make
things
right”】
12.
“Please
let
me
know
if
there
is
anything
else
I
can
do
to
make
this
right”】
13.
“I
realize
that
words
are
not
enough,
but
please
know
that
I’m
sincere
in
my
apologies”】
14.
“I’ll
try
to
pay
you
back
in
installments
if
that’s
better
for
you”】
15.
“I
feel
terrible
about
this
and
I
hope
you
can
forgive
me”】
16.
“I’m
prepared
to
work
a
little
harder
to
pay
off
my
debt
to
you”】
17.
“I
know
money
can
be
a
sensitive
topic,
but
I
want
to
be
upfront
and
honest
with
you”】
18.
“I’m
willing
to
negotiate
a
repayment
plan
that
works
for
both
of
us”】
19.
“I’m
sorry
for
any
trust
issues
I
may
have
caused,
and
I
hope
we
can
move
forward
from
this”】
20.
“Thank
you
for
your
understanding
and
patience
as
I
work
to
make
this
right”】