Why has my phone stop texting galaxy s4

My phone no longer text a galaxy s4 it can call but not text?

this is also happening to me -- SO FRUSTRATING -- have to be able to receive calls! i've tried several things mentioned in other posts (ie *78 (goes thru "deactivate" - have done twice today), *228 (says sim card has updated roaming), turning phone on/off again, etc). the phone keeps popping up the message 'ready to install' an update, but it's the lollipop upgrade that i don't want. my settings were for manual updates and i had previously refused all download requests for this update. and now it's wanting to install it, and it won't let me say no -- just now or later. is this part of the problem?
FYI, some of my settings are as follows:
wifi on, 4G on
vs 4.4.4
mobile network type LTE (tried global, no change, went back to LTE setting)
service state -in service
roaming -not roaming
mobile netwk state -connected
i can make calls out, text & go to internet -- but incoming calls are going straight to voicemail, and there's NO notice of missed calls if they don't leave a message!
my zip code is 49085
this has been occuring off/on for few months, and more consistently last couple of weeks
we bought the galaxy s5 phones in july? 2014 when we lived in MN, and moved to MI in aug/sept.
PLEASE HELP!!

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