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How do I increase my amount of available credit and lower my debt-to-credit ratio? Is debt consolidation the answer?

I would like an expert opinion on a debt consolidation loan. I have excellent credit and pay my bills very timely but have a high debt to credit ratio. What are some good options to increase the amount of my available credit?

Can a utility company bill me for two separate accounts on the same bill, and consider it the same account?

I have a utility bill on my credit report. I cancelled my service in 2008. I moved knowing I owed $45.23. When I pulled my credit report I found a collection for $2066.61. I sent a debt validation letter to the utility company and they responded with and itemized printout of my account. Turns out a month before I moved I cancelled my account, they added a "transfer debit" of $2021....
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I have strong income and good credit. Can I find a refi loan for 100% of the value of my home?

Are there any lenders out there that will refi 100% loan to value? I have a first for $260K and a HELOC for $63K. $325K is what the house is worth. I would like to pay both of these notes off with a 15 year fixed note refi. I am willing to bring in some cash if required, but would like to keep it minimal. Credit score = 800.

I am indebted to several credit card companies. How likely is it that a debt collector is trying to collect from me personally?

Is it possible for a collection agency to send someone to my place of residence to collect? I own a home-based business with a partner, and we have been hit hard by this recession, losing at least 80% of our business in the last two years. We're making just enough money to keep my business partner from being evicted (she isn't able to get help from her family) and to pay for food and...
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How to I cut the interest rate on my Target Visa card?

I have a Target Visa credit card and it seems impossible to lower the bill due to a monthly high interest rate of $43.58 cents. Is there anything I can do to lower this. I always pay on time but it doesn't even seem worth it.

I am being forced to take early retirement and can no longer afford my mortgage. Can my pension be garnished as a result?

Can a credit union charge-off a loan if I am less than 90 days late in my payments?

Can a credit card issuer garnish my spouse's wages if I default on my credit card payments?

Can a credit card lender garnish my spouse's wages if I default on any of my credit cards? I live in Michigan.

Can I have an IRS tax levy and another levy on my check at the same time?

Can a tax levy and a garnishment from another creditor be taken out of my check at the same time?

Do I have to subordinate my HELOC, which has a $0 balance, if I want to refinance my home?

Do you have to close your current HELOC when you refinance your first mortgage if the HELOC balance is zero? Our HELOC is with Bank of America and we have a great variable interest rate at 3.25%. I would like to avoid having to go through the hassle of applying for and paying any fees for another HELOC if we refinance. Besides, the new rates would be higher. Thanks.