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You are probably trying to format a micro-SD card that is greater than 2GB eg, micro-SDHC (High Capacity) of 4GB or bigger are not supported by 'older' devices. Stick to 1Gb or 2Gb standard microSD cards for your device.
I had the same problem and I tried everything. I couldn't think of anything else to do so I just turned my phone off and back on again. When I went back to the memory card menu on my phone all the folders that I lost re-appeared. I don't know if it would work on other phones but it's worth a try!
Did you try to format the card in the device thru Windows Media Player, or Rhapsody?
If so, try formatting it thru My Computer instead. My Computer>Device Name>Right Click and select format.
It is most likely NOT a virus if you have only put music on the device. It is most likely a corrupt file, or a database error.
Best of Luck.