How do you write a letter of explination for derogatory credit?

In 2003 my daughters father died. Which was very difficult for her. Then a year later she hurt her back and was unable to participate in sports, which was her life. She ended up hanging around some bad people. I saw her crying out for help. I needed to relocate to get her away from the bad influences. I had to make a choice of bad credit or losing my daughter to drugs. We tried to sell our home and the renters had destroyed the manufactured home during the same period of time.

I am not proud of filing bankruptcy, but saved my daughters life. We moved to a new town, she meet new friends and started over. My daughter is very well. That was a extremely difficult time in our lives.