You're probably not doing anything wrong. Many PDF documents that look like forms do not contain interactive form fields, because the creator of the document did not take the additional step of adding them. The full version of Acrobat can add text to a document using the Typewriter tool, assuming there is no security that restricts it. It can also enable a document so that the typewriter tool is available in Reader. A trial of the full version of Acrobat X is available for download, so you can try it out of you don't already have it.
I'm downloading the trial now, but when I check the security setting it says I can fill in fields, but the only places I get the I-beam is where they have already typed.
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That just means that if there were interactive form fields present, you would be able to fill in the form. But since there probably are no form fields, you can't.
Note that with Acrobat 10 the Typewriter tool got renamed and is now accessible by selecting: Tools > Content > Add or Edit Text Box
I did a search for typewriter and found it, but thank you. And it works perfect now. You were a great help. Thank you so much.