What brand is your SD card? All SD cards should have a Lock/Write Proctect switch on the side.
This post has a picture that shows where the switch is located.
If your card doesn't have the switch in that slot any more (they can fall out if properly abused) then you can simply put a small piece of tape over the slot - make sure you don't cover any of the card's electrical contacts - and the camera/reader should register the card as no longer being write protected.