I take it, you're able to get the navigation into pairing mode. If not, press the phone button on your steering wheel. It should pull up the phone screen, press 'Settings', press 'Telephone', 'Bluetooth', and finally 'Register'. This will put the nav into pairing mode. Your phone's Bluetooth should be enabled or turned on. Now with your phone depending on make and model, it'll be either under "Tools", "Voice Tools" or "Settings", select the Bluetooth option. From there you will want to select the option, "Search", "Find", "Pairing" or "New Relationship" on some PPC devices. Your phone should pick up the nav as "HANDS FREE" default name of the nav, it can be changed though. Let the phone and nav do its searching, wait for the nav screen to change telling you input the pin code to the phone. After that, you should be able to pair the two. If your phone gives you an option between "headset" and "hands free" mode, select "hands free". (From my experience, "hands free" allows auto transfer of the audio from the phone to the headset or nav. "Headset" doesn't, I have to initiate a transfer everytime to get audio switched over.) If your phone isn't finding the nav after it's in pairing, try taking out the battery for about 30 seconds and power it back on. (Unless you have a PDA that loses memory when the battery is removed, then use the reset button.) The pairing for the nav should be the same as it is for your headset. All Bluetooth should be and able to be paired the same regardless of carrier. The difference between carriers is some do not implement all the Bluetooth profiles, so you might not be able transfer the phonebook over to the nav.
Find out if your garage opener is a rolling code type. Non rolling code openers don't have a "learn" button (at least not to my knowledge). The "learn" button on your garage door opener should be on the motor or behind the light cover. Some openers have a sequence you can press on the hardwired control pad to initiate the remote learning mode. The easiest way I programmed mine was parking the truck under the opener, after pressing the buttons, then just climb on the running boards and hit the "learn" button on the opener.