I receive error message that contacts have stopped & takes me back to home screen. I can receive calls, but can't call out or check VM.
I would try this last idea before factory resetting: Go to your main settings and click on Accounts. Go to the Google account, tap, menu, remove. Then reboot and re-add your Google Account. You wont lose anything and this might be the issue is with your contacts sync. Also, make sure you do not have ICE contacts entered yet. Sometimes the contacts sync finds issue with syncing ICE.
Perhaps try clearing the phone app's cache in your app manager.
I cleared the cache for the phone several times. I made no difference.
is there a way to clear the cache for a specific app?
Yes, the phone is actually an app. You can clear the cache for most every app in app manager.
Found it. Cleared it. No difference.