Saving to collada file for upload into Secondlife or Inworldz?

im new to this and was wondering how do I save a file that will work for uploads.
I tried one last night from a 3DW file saved as a collada file but it wouldn’t work

You have to save or use file converter which will result in file format one of those cited programs can open.
Was the file you downloaded from the 3DW a zip file?
Su will export as .dae format but 3DWH may export as zip file? If that is the case you may have to extract it first before trying to open in one of those programs depending on what formats they can open.