Just a collective group of like minded people looking to share information.

It doesn't matter what kind of loan it is, commercial or consumer, mortgage or a car loan with the title signed over, it's predatory lending and attempting collect collateral will be an illegal venture.If you have made a loan like this as a borrower, go see your attorney.Many attorneys are still operating as they did 20 years ago, not news, that's why in finance you need to see a finance type attorney who has kept current!

Leasing, maintenance, tenant relations, collections, evictions, accounting, providing you reports and letting you know of CAPEX needs, doing that CAPEX, etc.  

Don't accept what the brother says verify.Find a law firm that handles collections and ask them what they would charge to negotiate a payoff for the CC's.

If it doesn't I can turn of the flow and collect as cash flow or increase principle payment on the loan.

I cannot speak to the laws in your state, but in my own, non-agents are not allowed to receive payments or commissions for brokering real estate deals, even by collecting a referral or finders fee.

If the person didn't pay by the deadline, we'd then send them to a collections agency.

I have 20+ years as licensed real estate professional (and beyond that in real estate consulting), 16  years in property management SF/MF, 90+ units, 97%+ occupancy and collection rate.

Seriously, give it a try but don't expect anything.After that, you can decide to go to court or send them to collections and see if you get anything.

The student LOSES money, and the teacher has to share the loss as well.Mathematically the former is OK because neither the student nor teacher has that much risk, but if there are N students that wanted a refund and the educator spent let's say 10 hours with them then the teacher has wasted 10 hours of their time, but the students collective lost N * 10 hours of their time.