Hi,
In Messages > Preferences > Messages pane you can change the Font, it's colour, the "Ballon" colour of out going Messages.
The Balloons Style is set in the View Menu > Messages and can be "Boxes" or "Compact".
You have to elect to change the Colour of the background to the text (not the whole window) to be then able to chose a new Font or colour the Font as well.
(broadly speaking aim for Dark Text on a Light background or Light text on a Dark background).
The Incoming Messages will have their Own colours when sent from Mac Buddies (those using AIM or Jabber).
Group chats tend to be somewhat random looking but most people seem to chose different colours.
You can override these Fonts and Colours if you want something that you can read.
iMessages are less likely to show any colours (will show as white) when sent from an iOS device that is not strickly sending in coloured bubbles. (they show on the iPhone as Blue or Green for the iMessages or SMS sending but they don't actually contain the balloon colour info to go to the other end)
It used to be that you caould drag a Pic over an open Chat wiindow (or the Messages Pane in Preferences) and change the background to the whole chat that way.
That has not been done since about iChat 4.
It would tile some smaller pics and not fully display others.
Current dragging a pic over the chat automatically adds it to the Text Field to be sent when it is released.

8:44 PM Friday; June 21, 2013
iMac 2.5Ghz 5i 2011 (Mountain Lion 10.8.4)
G4/1GhzDual MDD (Leopard 10.5.8)
MacBookPro 2Gb (Snow Leopard 10.6.8)
Mac OS X (10.6.8),
Couple of iPhones and an iPad
"Limit the Logs to the Bits above Binary Images." No, Seriously