If so, your site is at the mercy of people like me who change our default colors. Of course, I picked unusual default colors so that, as a Web designer, I could easily see whether those details of Web sites are controlled properly, but you never know when a visitor has changed his or her browser defaults to some peculiar combination that looks terrible with your graphics and background graphic. It definitely happens, when the designer doesn't set those colors for a Web site. In HTML, all of these colors can be set in the Body tag. Experiment to find a set of colors that works well with the color scheme already in place on your Web site.
Text can be standard black, or try navy blue or dark brown instead.
But make sure the colors are very readable against your background. When working on a Web site, I always include a background color in case something happens and the background graphic doesn't load properly. I choose a color that complements the background graphic so the text and graphics still look pretty good. This also helps those visitors whose connection is slow enough that their browser displays the background color for a moment before adding the background graphic. Faith at Home has great ideas for playtime, stories, Godly play, art, lots more.