I tested out this thing and it turns out it is the solution, when i was trying to do it, i switched my bios and loaded from a save too so i thought it was the bios, so i guess there is a problem with save states, but normally it should be okay. I don't know about your computer freezing, but there is an easier way then renaming your mem cards. If you can, go to Epsxe's GUI where it says File - Run, stuff like that, and do reset under the Run menu. Just rememeber to save first, this should restart the emulation but your cards are still active. If your save seems corrupted or isn't working right, press F4 before you save. (i had to do this) Good luck.