It can happen to anyone at any time, you can't login. To create a "Forgot Password" link on your login page install..
Once logged in, here's how to install the Forgot Password capability:
1. Click to the "Modules" tab.
2. Scroll down to the "Process" modules.
3. Click "Install" for the "Forgot Password" module.
That's all there is to it. You will now see a "Forgot Password" link on your login page.