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Hi Rick,
Do you have the possibility to test with another Android phone? This is to rule out that the problem is with your phone.
If I remember correctly, you can also perform a reset with the button on the DVR. Hold this button for about 10 seconds. I think everything is then reset to factory default. It is possible that the wifi code is not reset this way.
You can format the SD card in your computer. Format it as FAT32. As soon as everything works again, you can format the SD card again with the app.