Embellishments OVER a transfer?

[Hetobeto]

Hi all, I have a question. (Obviously!)

I'm looking to make a tshirt that has an iron-on transfer as the background of the design, but I also want to put text on the shirt (on the transfer part) as well.  Is it possible to use those iron-on letters on top of the transfer paper, or will that make one big melty mess of my iron?  Has anyone ever stenciled over an iron-on?  (I'll ask that question again in the stencil thread.)

Thanks for your help, craftsters!