I can empathize, pcampo. Once, when I was putting my xD card into my computer's memory card reader, I put it in the wrong slot (wasn't paying attention) and it fell right through to the other side. I heard it rattling around. Fortunately, I built the PC myself, so I knew what it would take to get to the card. Also, I had enough motivation to do it because the card had several pics of the family. Unfortunately, as may be the case with you, my media card reader is a sealed box. I had to take the computer case off, take out some drives, and undo several cables just to get to the card reader. Then I had to take the reader out of the computer and bend a metal cover, which was riveted in, so that I could shake the card loose. In all, it was maybe 30 minutes of work, including putting everything back together and hooking the PC up again. It was a bit of a pain, but nothing broke and I'm glad I got it out of there. If it had been an empty card, or pics I didn't care about, I might not have even bothered.
Good luck!