My Accounts Folder in System Preferences has been deleted.

It's been a couple of months now that I have been without an account. I don't know how my Administrative name or user names have been deleted, but it has made it very difficult to go into disc utilities to correct my permissions, or to download anything. The reason is that I am being asked for my password that I used when I first set up my Apple. I have tried every combination imaginable, but keep getting the message that I entered invalid User Name or Password.
Because of this, I cannot do anything on Mac that might improve the performance. I have asked for help from Apple Support, but I was denied any help unless I pay a substantial fee. My AppleCare Agreement has expired and that is the reason I can't get help unless I pay a fee, which I can not afford.
If anyone has any answers as to how my Administrative name got deleted, I would appreciate your input. I don't even have a plus sign in the Accouts folder to add a User Name.

Hi Miss Moo,
Could it be anything related to this, it can happen spontaneously also?
Return to default desktop, apparent "loss" of home directory...
http://docs.info.apple.com/article.html?artnum=107854
ChangeShortName 10.4 only...
http://www.macupdate.com/info.php/id/16620
If not...
Reset OS X Password Without an OS X CD...
http://theappleblog.com/2008/06/22/reset-os-x-password-without-an-os-x-cd/
Once you've done that the computer reboots and it's like the first time you used the machine. Your old accounts are all safe. From there you just change all other account passwords in the account preferences!
applesetupdone...
http://discussions.apple.com/thread.jspa?messageID=6059333&#6059333
http://www.askdavetaylor.com/howdo_i_reset_my_mac_os_x_admin_rootpassword.html

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