Chiropractics or just stress?

I'm having very painful neck problems daily. It just feels like my neck is constantly tight and strained. I went to a Chiropractor for a $20 visit for xrays (just for fun to see) and I found out my neck is actually bending the wrong way. That particular Chiropractor did not take HMO so I would be paying way too much to go there. Are there any other options for me? Do people believe Chiropractors work? What could be some other problems that would relate to my neck pain?