I ran the chkdsk like you suggested and it brought back a boatload of files but also included all kinds of windows files. I stopped the process after 4 hours because I didn't know if chkdsk was bringing back usefull data and I wanted to see what the results were.
There were about 400 folders with each having an assortment of .dll files, .jpg files, and every other file imaginable. I could extract the photo files but looking for them in each folder was labor intensive and those 400 folders was only half the drive.
Being satisfied that photo files and documents were readable I went ahead and retried a program called "getdataback" that I tried before but didn't know how to use it properly. This time I scanned the defective drive correctly and found my document and photo directories all nicely listed but wasn't allowed to copy them. I had to buy the program online ($79) to retrieve the data but I got back all my photos and documents.
I'm an amateur photographer and take thousands of photos and normally, I have all my images, family photos, videos, and documents on my desktop computer's main drive - plus two external 500gb sata backup drives. At the end of each year I backup that year on a few DVD's and store those at my son's home. I haven't lost a photo since I switched to digital photograhy in 2000.
This time I got sloppy and had a bunch on my laptop when it went south that were not backed up and I ended up buying a few drives to try and swap boards but that never worked out so I will put those on ebay and get some of my money back.
Anyway, I got my data back. Thanks to all for the suggestions.
Dick