Frankly, the easier one to fix is a computer going bad because a decent computer shop can copy a good HDD onto a new / used computer of equal or better capacity. Cost you some money, yes, but you can call various computer shops in your area and ask if they can see if your HDD is still good. Hint: If you heard strange or grinding noises prior to your Blue Screen of Death (BSD) most likely it is bad HDD.
If it is a bad HDD, your hurt just got exponential without backup. There are HDD recovery shops that can copy contents from a bad HDD to a new replacement. They take long time frames (you ship your HDD to them) and cost in the 4 digits and up.
You could try calling your local library and asking for local area computer clubs. Since this is a BSD, ignore the ones for Apple. Go to a meeting and throw yourself to their mercy by explaining your plight and asking if any of them could help you. There are geeks amongst us that can do wonderful things. Be prepared to promise a wonderful dinner at the best restaurant you can afford if successful as well as paying for replacement HDD. A good geek will also take the old computer to make sure that it did not cause the original damage. THIS WILL TAKE TIME!
Now, to all of those who have read this far - how safe is YOUR DATA!?!?!?
I run disk image (bootable) backups religiously on naked HDDs using external docks and then store these HDDs in my fire-resistant safe. I am never more than a week (usually less) from the last backup and I have multiple HDDs so that the week-ago backup is still in the safe while I backup.
If this seems like too much, here is a random bing search hit that rates 10 online backup services. I can NOT recommend any as I don't use any of them. Your call.
Hope that this was worth reading. Bona fides: 30+ year computer programmer and paid consultant. I have been in this place when there were none of these options and I swore (MANY TIMES) not to be there again. DO NOT THINK THAT THIS WILL NOT HAPPEN TO YOU - IT WILL!
I have addressed that risk as follows : I have both a new Desktop and a new laptop. Both are Windows 7. I bought a 32Gb USB stick for each, and I update modified files for each one to its own separate stick once a week. A few truly critical folders I update as soon as they change, updating the changed files only. I also make data DVDs (25c for reliable ones in bulk) at least every three months of all photo folders family and otherwise.
I should add that I keep a copy of my critical files, mortgage, payments list and passwords file in password-protected form on BOTH computers.
Been there. Don't want to repeat.