Hi there, I have been in a similar situation. I have never made a game - I have never written one, I have never programmed one and I have never created art for one - and now I am making one.
So, if you want to do it yourself - assuming you want to create a visual novel type game - there are some
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that come with original assets (e.g. Visual Novel Maker), but those are basic stuff that can help you to tell a story, but don't expect erotic stuff.
The original assets can help you with being placeholders as well - you create your game with them and then replace them with the actual art you want to add.
Then, you can go and
find a partner on this site. This is what I did. (I wrote the story, learn renpy and found a partner who does the art.) If you have a game concept, you can offer position to others to join you, or if you don't, then look for a position that you could fill.
However, regardless which one you do, make sure to have something to offer. Play around with DAZ3D and get some experience in that, start writing your story and make some scenes, or download renpy for free and learn using it. All three are surprisingly easy to learn (couple of weeks) to a degree where you can actually do something.
And check out the
Bloo Guide - there is no better place to start your game developer carrier.
Good luck