Similar story here. While in a borrowed dinghy cleaning the boat sides, the unstable little craft tipped, tossing me into the drink. Couldn't get onto the swim platform as Doug describes and couldn't pull down the swim ladder because it was tied up high to keep it from falling into the water while underway. Took a chance on one of the marina's rotting swim ladders and luckily, it held just long enough for me to pull myself out (the rungs broke in the middle but there was just enough wood at the side of the rungs for me to get a toehold without getting punctured by a rusty nail.
I now know how to tie the boat's swim ladder so it can be release from the cockpit or the water -- that is to make a bungee attachment in two places, one up high (reachable from the cockpit) and the other down low so it can be accessed from the water.
The marina replaced all of it wooden ladders a few years ago with aluminum ones...I recall someone saying law or regulations require useable ladders.
Joel Albert, Potomac MD
"Charlie B" - 1988 32' FBS
Twin 318's/FWC/16x15 nibral props
docked Deale, MD