As Nihil rightly pointed out there are no .pwl files on NT,2K or xp, the passwords are typically stored as encrypted hashes in the registry.

There are enumeration tools out there as i sure most of us know but it depends on why you need access to them, if it is your won personal machine then you can download various tools such as pwdump, lophtcrack etc for you system, cain will also show stored passwords to name a few but it depends on yoru requirement, acces rights and ethical standpoint.

remeber this is a security forum and we like to follow ethical best practices but if you request is legitiamte i am sure one of us can help.