Learn how to go from:
to 
In only a couple steps!
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Beginner Friendly
More Examples:
First things first, prep your base!
I liked mine the way it was, but I sharpened it a little.
Next, desaturate your image, if you're using photoshop.
Paintshop users want to create a new Hue/Saturation adjustment layer and drag the saturation bar right down to the bottom to make it black and white.
(Layers>New Adjustment Layer>Hue/Saturation)
Once your image is black and white, make another adjustment layer, this time Brightness/Contrast.
(Layers>New Adjustment Layer>Brightness/Contrast)
Set Brightness to -80 and Contrast to 10.
(Play with these numbers if you'd like)
Once you're done that, take your favourite scratch texture and slap it on there.
I used this:
And made it a negative image so it looked like this:
Then set it to Multiply.
Here's what I have so far:
You're pretty much done now!
Just add text, a brush, border, etc.
Whatever you'd like :)
For anyone interested, here is the heart I used:
I just set it to screen and duplicated it :)
If you have any questions, feel free to ask.
I'd love to see your results!