Have a look at @banafish. You can join "finish the story" or a haiku etc.

You could try a we-write too see @freewritehouse

I have no illustrative skills either. I could paint but it is too much work. Two of my kids are great illustrators and it is a day and night job. Make some photos mix them or use the same kind for different stories or a part out of your photo. I can guarantee you even than someone will tell you it's not yours.

Good luck writing.