Had the same problem as above. Tried various combinations of double and single quotes...but same error persisted. As Merrill suggested, removed the value attribute in the html:text tag and voila....the value the ActionForm already holding was displayed as default text in the html:text. Gr8.
And if we dont want to have any default text value to be displayed in the jsp, jus set the text property in the ActionForm to null, using the setter method.
Eg. user.setUserName(null); Or, can set the text property to null in the reset method.