In this case, she has a pile of related issues:
- Unpaid pills. Negative credit score. No credit. No bank account.
- A history of unpaid or late property tax payments.
- Untreated mental stability issues. Lack of willingness to address issues.
- Lack of consistent employment.
A cash inheritance could work out poorly: perhaps be blown through in a matter of years, bringing all the short term problems back at a age when they can't easily be dealt with.
The seemingly needed skills are a combination of credit counselor, psychiatrist, psychologist, life coach, fee only fiscal planner, grief councilor, trust attorney. Where to start?
Update: I totally know how a trust is set up. It's what might the rules of the trust be, and what's worked for others, that's of interest.