How common are "subject to" contracts.

Subject to what? Post more facts and be careful about reading contract terms in isolation.

What if you went to restaurant and received a mediocre meal from an unfriendly or rude waitperson. Do you think you could leave without paying for...

You cannot assert a 5th amendment privilege to not testify in a civil case unless there is a parallel or potential criminal proceeding where that...

In the state of Texas can one back out of a car contract once sighed.?

Based on the limited posted facts, no. But, depending on the facts, there are defenses to enforcement. If you are willing to spend money to...

What kind of attorney do I need to hire?

You need to hire a civil trial lawyer.

What are my options?

As you are not facing charges, you do not have a 5th Amendment right (against self-incrimination) to assert. Arguably you were not properly...

II received a letter from a law firm that states they are not filing suit because the debt collection has not instructed them to

Those are interesting facts. Do you have a question?

Can I sue against an individual for punitive damages once a criminal guilty plea has been entered despite 2+yrs after crim act?

No, limitations has run. Generally, limitations begins to accrue when you know or in the exercise of reasonable diligence show know of the...

Have an attorney review the GAP contract. Hopefully, there was no exclusion for granting permissive use to an unlicensed driver.

How can I get my money back?

You might not be able to get your money back. If you can, get a reputable contractor to finish the work. Then you can decide whether to sue the...