Couple of ways to approach this.
(1)Choose modify + page properties then go down to tracing image and browse till you find your image. Your image will appear in the background, then you can build over the top of it, eventually deleting it when you are done.
(2) Put your image in a layer. every time you want to put text over the top, create a new layer and type in this layer, draggin the layer and text where you want it. If when you are finished you want
If you want to cut the image up itself so you can use bits of it, use fireworks. Download the demo from macromedia