My mac won't allow me to login to the user account

Hi,
Everytime I try to log in it says " you are unable to login to user 'useraccount' at this time". But I manage to login to the admin user account.
Fyi, I have two users under this macbook. The one that is rejecting me is the additional username, with the ability to act as admin as well.
Unfortunately, all my files are under that the additional username.
Any idea?
The guys at service center said that I should re-install using the CD/DVD provided with the laptop. But, I want to have some assurance that I am able to retrieve all the data inside, including the emails I have under entourage.
Please-please help....Any suggestions will do. Thanks.

Hi,
Thanks for the tips. I did use FileVault to secure all my sensitive files. But, I still used a generic password and I have it written down too. So I knew I entered the right password.
Even when I entered wrong password, login kept on asking me to UNLOCK filevault --using master password. I did that too.
I also tried to move the file from that user-account and copy it to another user-account and it gave this (useraccount).sparseimage file, with a total of 25 GB in it. What's that supposed to mean?
If I copy that file to an external hard drive and delete whatever left in the computer, including the user account, would that affect my mac?
Thank you....

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