Thank you everyone for your help and your kind offers. I really appreciate it. My neighbor has a embroidery machine and I can pay him to do it. (assuming he has the time)
If I do the embroidery with the batting in, I was thinking of doing it before I "quilt" and just use another small piece of fabric in place of my quilt top to do the embroidery on the back, then put the top on and quilt everything. Sounds like it might be better to just quilt the back fabric only though. 8-)