Two possibilities:
Virus. Google: AVG Rescue CD
Follow the instructions and scan your computer using the CD.
FYI: MagicISO is a free program that allows you to burn the file you download to a CD.
Hard disk is failing or has failed. Replace hard disk and reinstall Windows. Purchase external USB hard drive enclosure for old hard disk. Connect the enclosure to computer and attempt to copy your files to your new hard disk.
Please vote for my solution if it helps.
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