Dear {Name},
I owe you an apology. I've prayed on it, but I knew all along that what I did was wrong. I {stole item/lied/told secret/etc.}.
Like Proverbs 28:13 says, "He that covereth his sins shall not prosper, but whoso confesseth and foresaketh them shall have mercy."
I hope that as a {brother/sister} in Christ, you can forgive me. I know I don't deserve your grace, or your mercy.
Please let me know how I can make this up you. I've been reading the book of Job as well as Galatians regarding restitution. I'd be happy to talk with {religious leader} and see if {he/she} would be willing to serve as mediator and also pray with us.
In Christ,
{Name}
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