Q: How can I reset the user password when I forgot it and need it to unlock to make changes?

Resetting or changing a password:

For Snow Leopard or earlier:  http://support.apple.com/kb/HT1274

For Lion or later:  http://support.apple.com/kb/HT6022

This is also useful:

http://www.macworld.co.uk/ipad-iphone/news/?newsid=3463233&olo=email

If it's running Mac OS X 10.6.8 or earlier, insert a Mac OS X install DVD, restart with the Option key held down, click on it, and use the Reset Password utility.