Vista - Can't access Contacts file

I have been running VISTA Home for almost a year. For some reason I can no
longer enter a new contact in the Contacts file. I get the following messages
in consecutive windows. 1) UNABLE TO CREATE THIS CONTACT. The location where
this contact was to be saved is inaccessible. 2) An unknown error occurred
while performing the requested action in this Contact.
When I check the properties for the Contacts file, it is marked Read Only.
When I try to change that attribute after having signed on for administrative
privileges, I am allowed to uncheck the Read Only box but when it won't allow
me to save the change. (When I open Properties again, the Read Only box is
still marked.)
I am the only person using this laptop but when I transferred my files from
my old computer, another user profile was partially created because of name
formatting issues. Could I have two Contacts folders? What is happening? Does
anyone know?