When the 4 of you signed the lease, you became "jointly and severally liable". This means that 1 or all of you are responsible for the entire debt. You cannot apportion it. However, your creditor could (but this is unlikely). As a practical matter while you owe $2,600 the creditor may well be satisfied to settle for a lesser amount. And if the debt is 7 years old it may been sold to a third party debt collector; if this is the case then you will have an even a greater chance of success in reducing the settlement amount. They typically give deep discounts. Offer $450 and see what happens. You can then negotiate up, and may even end up at $650 (which is 1/4 of the full amount; what you are willing to pay anyway).