Comic Creation Software

[parker84]

I was hoping for a little friendly advice. I have been keeping a running breakdown of story ideas for a few years now and, if for no other reason than my own entertainment and curiosity, I would like to attempt to put them down visually as well.
The one small problem I have is that my ability to draw sucks. Bad.
So instead of wasting some talented artists time that will probably lead nowhere, I was thinking I could use some sort of animation or drawing software with build-it-yourself type character creators and backgrounds. I have found a lot of free fonts and advice in general on plotting and things like that elsewhere but the art itself is a sticking point.
Any advice on programs would be greatly appreciated. Thanks guys!