Antrag auf Privatinsolvenzverfahren stellen oder noch abwarten

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Ich bin seid April 2024 arbeitsunfähig erkrankt, dazu kamen noch zwei Kniegelenkoperationen 2025 . Ich bin weiterhin arbeitsunfähig, noch in Beschäftigung, aber ausgesteuert und beziehe noch ALG I bis Dezember 2026.
Antrag auf Erwerbsminderungsrente ist gestellt 04/2026. Antrag auf Rente für Schwerbehinderte ist gestellt im 06/2026 zum 01.12.2026.
Ich lebe mit meinem Kind 11Jahre alt zusammen.

Im Dezember2025 habe ich das Haus verkauft ( notarieller Kaufvertrag liegt vor) für ein lebenslanges mietfreies Wohnrecht für mich und ein mietfreies Wohnrecht für mein Kind bis zur Vollendung seines 19 Lebensjahres verkauft. Geld /Bargeld ist nicht geflossen.
Ich zahle fest 500€ für die Betriebskosten.
Die monatlichen Hypothekenzahlungen (1765€) übernimmt der neue Eigentümer.
Kann das zu Problemen führen?

Mein ehemaliges Auto habe ich im Juli 2025 an einen Mitbewohner im Haus verkauft mit einem Kaufvertrag und einigen schriftlichen Zusatzvereinbarungen.
Da meine Versicherung günstiger ist haben wir festgelegt das der Wagen noch bis 31.12.2026 bei mir versichert und angemeldet bleibt.
Ich darf den Wagen nach Absprache noch benutzen. Kind zur Schule, meine Arztbesuche, Einkäufe des täglichen Lebens.
Kann das zu Problemen führen mit einem Insolvenzverwalter ?

Vielen Dank für ihre Antwort im Voraus,
Mit freundlichen Grüßen
Frank Graul

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