appears to me what your looking for is comic book creator. Manga studio seems to have alot of image manipulation tools to get that "ink" look. Comic Forge there is very limited info on but what i see it looks like the idea is to have your characters and background built seperate and assemble them in the program. I dont see any page layouts in their descriptions so im not sure if it will do it or not. Comic Book Creator doens't have image manipulation, it just puts your images into page layouts and lets you add text baloons, which sounds like what your looking for. download the demo and give it a try

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