image problems

[eluser]Unknown[/eluser]
Okay, I am having a problem in displaying an image. I have created an images folder and directed the html helper to that file to display my image. However, there is no image displayed. I viewed the document source, and the address being generated by the html helper is correct, but there is no image. Can anyone tell me why that would happen? Also, I have read several people talking about an .htaccess file, but I did not create an htaccess file, nor do I even know where it is. Help!!!