music player just stopped workin

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         I am so upset about the music player. No, I didn't use only media files from V-Cast. I hope They don't expect anyone to actually pay all their music. I don't know if it's the memory card, or the phone, or a virus attached to one of the song files. I'm at a loss. I had a full memory card. Tons of songs. It was so nice and then it just stops working. All the music files are gone from my card and the phone shuts off every time I try to access where the media files should be. Anybody else have this happen and/or know what to do. I'm scared I'll have to replace the phone all together.