Don't know what to do!!!!!

[DYLAN150]

Durning the divorce my wife took our entire checkings account and cancelled all our bank cards so when I left the family home I had no money or credit cards. However, I had a open home equity loan on a home that I owned and I withdrew a large amount of money on this home. My x got this home awarded to her and I am currently paying on the loan. Here's the problem, this was never written on the divorce decree. ( over 2 years ago). I need to get this paid off and was thinking about putting it on several visa cards. If I filed for bankruptcy in the next year would the court consider this to be fraud? I would be eligible for a chapter 7 but could file for chapter 13, really don't know what to do yet. I will trying to work things out and not file for bankruptcy.