|Re-reading your first post, seems like you got the blue screen when attempting to run chkdsk. If not, see this:|
Otherwise you seem to be between a rock and a hard place. If it comes to it you could reload Windows but it would probably be best to hold off on that and see if anyone else comes along with some better idea.
There is one thing you could do to try and prove where the trouble lies. That is to download a Linux Live CD (I use Puppy Linux for this) on another computer. You use the burner softwares "burn an image" facility (ISO) to create a CD. You have to go into BIOS and set the CD drive ahead of the HD then boot with the CD in the drive. It would be an idea to check the CD out on another computer first so that you are confident it works. It will not affect the Windows installation, which will boot normally again when you restart without the CD in the drive.
The Linux CD does not use the HD itself, so if Linux arrives on the faulty computer it would prove that the problem is either Windows or the HD. You can view the HD contents using the Linux CD which would give you some confidence about whether the HD is OK. It also means that if you are forced to re-install Windows you could first save your personal HD files by dragging and dropping them onto a flash drive. Note that Linux is all single click.
Please come back and let us know the outcome.