You shouldn't have to create a new folder for every file. The only reason to create a folder is if your code for index.html refers to a file inside a folder.
It seems the problem is not the fact that it exists, but the fact that the code is looking for it in the wrong place...meaning the file resides in the incorrect location.
This can be due to the fact that you placed each file in its own folder.
An example is this:
On your
http://www.ez20pay.net/ site, there is a link above a picture of a woman. The sentence says:
Click Here To See The Remarkable Earning Potential!
If I click where it says Click Here, I am taken to a page that says,
"404 Not Found
The requested URL /earning_potential.htm does not exist."
And the URL for that page is
http://www.ez20pay.net/earning_potential.htm
Now, since you said, in your first step, that you placed each file in a newly created folder, we can try the URL with a folder name such as:
http://www.ez20pay.net/Earning%20Pot..._potential.htm
And you'll see your file is indeed there. So, it's simply in the wrong place. I would suggest taking your .htm files out of their folders, since it seems that is the way the index.htm file is coded for the javascript pop-ups.