Ok. first of all. try using your login password to access the command console if that does not work and you have access to another computer you can download a floppy boot disk that will allow you to reset the password for any account on the local box.
you can find the software here.
http://ebcd.pcministry.com/ i will not help with making it work as the site has a great deal of documentation to support it. I have used it many times on repair jobs. hope this helps out.
once you get to the recover console run the following commands..
bootcfg will scan and recreate the correct boot.ini file for you.
run chkdsk /F this will scann the hdd for errors and /F will fix errors found.
also do fixmbr this will scan your master boot record. If this dont fix your issue holla back.