I check behind, and fold to a bet on the river. If villain has a J or Q, you're basically drawing dead, and if the villain only has a draw from the board (i.e. gutshot), he still has a shiatload of outs to beat you. Given that he's called the flop, I don't think you have enough fold equity to fire another shot here, unless you're certain he won't chase down a gutshot to the river. Given that you have no real idea if he has only the gutshot draw, I think you can check and fold to a bet.

I tend to lose money in situations like this because I usually fire again on the turn, and check behind on the river, but don't really consider that everything in the range of hands calling the flop beats me or is drawing big to beat me.