SOUND OFF ON DEBT CONSOLIDATION Dear Heloise: My husband and I recently received a call from a company that claimed they could help us reduce our debt, and they sounded legitimate. They said that they were able to talk to the companies and hospitals to whom we owed money and get them to reduce our bills. Then they could lump everything together into one monthly payment, which we would then send to them, and they would disperse the funds to our creditors. It all sounded logical, and we talked it over for a few days. Our son came home from college one weekend, and we told him about the offer. He…