"In trust" indicates,in a court of law that the loan is in fact STILL being paid in a timely fashion... the lawyer is holding the flow till a judge orders the funds to be released, usually after a case is heard....this also creates additional pressures on the dealership "to resolve the matter" to the satisfaction of parties involved.
This move stops ANY legal action against the individual, by the lean holder ( bank)..... it's a known used practice up here kenv.... which is why he should meet with a lawyer for advice,law is complex, contractual law is even more confusing.
This practice may or may not be an option in the state he lives in, again why he should discuss the case with a lawyer.
2011 GTCS Candy Red;Premium leather interior package, Remote start, security package, upgraded speakers, 6MT 3:55. 35% tint all around, Borla "S" axle backs, & clear corners.
The rest is all FORD