I need to know if a email/ or text is considered a legally binding contract?

Yes. Under most state laws, a legally enforceable contract requires an offer, acceptance of that offer and consideration (both sides give...

You will be fine if you file bk. You can take up to $175k exemption. The important thing is to disclose that 50% transfer to your son on...

Yes, you can file at anytime - now (when you were served the summons) or even later (after they get the judgment). The debt will be discharged. ...

I missed a civil case and default judgment was entered, I have no assets or job i have moved from Georgia

You will not go to jail. Your option is to either settle with them (call them and offer 50% of the amount they want to be paid over 12 months) or...