Thank you all for the input. Where I seem to missing something whether I use the 50 point garbage matte or crop or Motion is that if I apply the matte to the text, the matte stays in the same position as the text. So I tried to create a matte on the top level to block out the layers below, but I get no results. I just see a matte with no affect. This is selecting add, subtract, invert, etc. Basically I need the picture to be unaffected, but the text to be invisible as it passes under the matte.
I would consider myself somewhat competent, but this one has got me.
Thanks,
Drayson