May be the file system in your SSD hard drive is corrupt, so XP is asking you to format it. But formatting the SSD drive will erase all the contents from the device and in order to recover those lost files. You need to use a good data recovery software like Yodot.
Even though I am a computer noob to some extent, I think I can help you, if you merely want to recover your data.
Actually, a month ago, I also experienced the same drive problem. I have tried an external hard drive recovery freeware that perfectly restores all my files. Therefore, I think you may need it, too.
Read more information: http://geeksdo.com/data-recovery/format-recovery.html Note: You should not format this drive before you have restored all your data back.
You also should learn to back your data regularly all the time.