OK, for the first problem,
the problem is worded poorly so it is confusing, but think I can explain it ...
"Cindy's age and her older cousin Robert's age together equal 28."
Let Cindy's age=C and Robert's age=R, and translate from English to Math.
C + R = 28
You probably got this part.
Cindy's age is 3 times less than Robert's.
This is a confusing statement. They probably should have said, "Robert is three times older than Cindy," or "Cindy is one third as old as Robert." If we translate from English to Math, we get:
R = 3 * C [or (1/3) * R = C, the first equation will be easier to use]
(Isn't Math language so much more concise and precise?! The word "less" in the original English statement makes you think subtraction when really they were just conveying that Cindy is younger than Robert by a factor of 3 and not the other way around.)
Now you have two equations:
C + R = 28
R = 3 * C.
Since you know what R is in terms of C (One R equals three C's.) Substitute for R in the first equation.
C + (3 * C) = 28
4 * C = 28
C = 7
Now, if C= 7, and R = 3 * C, R must equal 21. The answer is 7 and 21.
For the second problem, ...
"Bella's brother's age is 4 times more than hers."
Let's let B=Bella's age and Br=Brother's age.
4 * B = Br
[You can check your English-Math translation by substituting real numbers to see if they make sense when translated back to English. For instance, if you let B = 1, then by the Math equation above, Br = 4. If you keep these numbers in mind, and you read the English phrase, it makes sense because Bella's brothers age (4) is 4 times more and Bella's age (1.) If you made a mistake and used B = 4 * Br, you should catch your mistake when you try to substitute the numbers.]
"they're 12 years apart" means that the difference in their ages is 12 years.
From the first statement, we can guess that Bella's brother is the older of the two, so we put him (Br) first in the subtraction equation so that we end up with a positive number
Br - B = 12
Now we have two equations:
4 * B = Br
Br - B = 12
You can substitute 4 different ways in these two problems, but many times you can choose a substitution that is easier (avoids fractions or multiplying alot of numbers.) The simplest way is to substitute for Br from the first equation into the second equation
(4 * B) - B = 12
3 * B = 12
B = 4 and Br = 16.
I believe that 15 and 3 are INCORRECT. Here's why:
While 15 and 3 are 12 years apart, if you substitute 15 and 3 back into the first statement, , "Bella's brother's age is 4 times more than hers" you get 3*4=15, which is not a true statement.
Hope that this helps.
For your original question, my son is in seventh grade, and I occasionally have to help him with very similar math, too. Often, it is on occasions just like this where the problems are poorly worded and sometimes even incorrect. (Who writes this stuff?) so I don't blame him at all for being confused. :)