Thank you so much Gilbert !!! :matte-motes-smile: for taking the time, your answer got me a bit more knowledge and at this begginer spot i am thats very recomforting.
The thing is that i didnt explain myself quite good :matte-motes-tongue: and because of my lack of experience im still out in the blue here.
To give you more info of what i was doing is that I checked out this tutorial and tried to make myself my own face so i can use it on SL using this tutorial:
http://forums-archive.secondlife.com/109/e1/246059/1.html
So basically what i did hoping and crossing fingers not to screw it up was that I downloaded a Head template file .PSD and i superimposed one picture of myself .JPG and started working on it the best way my understanding let me to (just opened this trial version of CS6 loaded the template, superimposed the .jpg, worked on it a bit, and saved, as is).
The final result of it was this .PSD file that i have saved. But now im blocked and dont know what to do next to convert it to .DAE ... maybe you already answered my question and i cant seem to understand it yet.
So maybe what i need to do is get myself this Blender program and that program will allow me to convert this .PSD to a .DAE?? and that would be it?
Thaaaannks again ! :matte-motes-smile: