1. Firstly, right click My Computer > Explore > Tools > Folder options > View and UNTICK 'Hide extensions for known file types' click on Apply and OK
so that when you see the files listed you will know what type it is .psp or .jpg etc
2. Are the folders and photos there when you look in Windows Explorer?
3. If you are trying to open the pics from within the Program (Paint shop or Animation Shop) make sure that in the 'Open' popup box where you navigate to the folders you have 'Files of type' set to 'All Files'
hope it helps