Place the card in a card reader, attach via USB to your computer and transfer anything you want to save to the PC. Then delete everything from the card and re-insert in the camera. You should now be able to format the card, provided it's within the capacity limit of the camera which is 2GB.
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Not a solution, but after corresponding with HP customer service, they concluded that the problem with my M527 (see above) cannot be fixed. They offered to replace it with the same two-year old model for $99.99 which is much more than that model camera would be worth. I declined their offer.
memory card? and SD card? whatever the card hook your camera to a usb to computer and find it under "my computer"
look at all your drives you should have like c, d , e, f, g, h, select the last drive and see if it finds your card if so try formatting it through the computer, whatever you do dont select c or d to format. if problem persists buy a new SD. I find good deals on ebay or Walmart.