Inserted SD HC memory card into my brother's older model SD/MMC card reader in his PC. Error Msg: Can not read card. Put in back into my Nikon D5000 and Error msg: Can not format card - card may be defective. Tried recovery software - and nothing. Is the card totally wiped out, and how did this happen? Any advice for photo retrieval that won't cost $900, as some companies are requesting.