First step is to determine, if its possible, that the opponent might be betting a worse hand than yours for value, or if a large part of his range might be
hands, you chop with. And if either of that is true, then you always call. Maybe you can find some very specific situations, where it might be slightly better to fold, but if you are looking to simplify, then just call in those situations. Like maybe you hold


on





and think, this opponent would absolutely bet


perhaps not understanding, that his kicker is counterfeited.
If this is not the case, then you are
bluff catching. And questions to ask in this situation are, how high are you in your range, do you have good or bad blockers (removal), and most of all how likely do you think, it is, that the opponent is
bluffing? Here board texture matter, like are there many busted draws. But also previous action and simply reads.
In general you want to overcall against maniacs but overfold to nits and also to passive players, who suddenly wake up on the river. Lets say the opponent limped preflop, you raised, he called. You bet flop and turn, he called. You hold


on




and now the opponent suddenly lead into you for full pot. In this case you should fold, because its very likely, that he has a hand like


or


, that just got there. Or maybe


or


that he was slowplaying the whole time, but now he lead out, because he dont want you to check back.