blkatt, you need to CHMOD -R recursive and all sub folders.
I had someone that moved their web site from one server to another. During the move their gallery's upload folder and sub folders changed ownership and CHMOD went to 644. I needed a recursive FTP client to CHMOD 1000's of sub folders with about 300,000 files from 644 to 777. WinSCP worked for me. http://winscp.net