Why have I received calls about a debt that my ex-spouse is now responsible for according to the court's divorce decree?

If you have a loan with RCU, you are responsible for ensuring scheduled payments are made even if your ex-spouse is responsible for payments as part of a divorce decree. The reason for this is that RCU is not a party to, nor is it bound by the divorce decree, which is a civil arrangement between the former spouses. Instead, you remain bound by your original loan agreement with RCU (which predates the divorce decree). If you no longer wish to be a borrower on the loan, your ex-spouse will need to refinance the loan in his or her name as an individual.