Justin
I don't know if this addresses your issue, but we just put the text on the image using the text tool in Photoshop. Then you are making a web page with an image with text already on it. (If you want the text to run off the image, just put a border around your image--the same color as the background of your web site--and put the text on this image plus border. All is done in photoshop prior to doing anything else. Look at Dottiecampbell.com--that is how we made those pages. Right--they do load more slowly...)
(But then we use Dreamweaver to make the web page itself and put the image map on it with active links...)
Hope this helps some and is not off base.
Ed
Baltimore