|"I think if i had the cd to reload and re- whatever it would work"|
Yes, in theory you can reload xp without losing your docs. But it is not guaranteed, things can go wrong. It is prefered that you back them up first.
You could try booting your computer with a live CD.
create a bootable cd:
if you can create it and boot your computer to the cd's desktop, post back and we will proceed.