My files stuck in limbo

You haven't told us what error message you are getting, if any. Backup your documents then try the following (best to sign on as the administrator by Ctr+Al+Del TWICE at login time):
1/ "Right click on D:\Documents and Settings\YOUR A/C NAME\My Documents" -> properties -> sharing - make the folder a "shared" folder - then try and copy, if not try the next solution.
2/ Click start>run - in the box type
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cmd
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A black windows will appear - then type
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XCOPY D:\Documents and Settings\YOUR A/C NAME\My Documents C:\Documents and Settings\YOUR A/C NAME\My Documents /s /p /-y
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In the above use the correct drive letters and account names
3/ If the above still doesn't work use your XP CD, boot from it , then do the above from the recovery console.

Let me know how you go
Peter

but first, you may have to take ownership of your files. Take a look at MS KB article 308421 HERE