Glad you got things working Hawk
Can I suggest though that the word *image* be reserved for a 2D representation of the Daz figure (ie a render or texture map) , and that *figure* or *object* be used for the 3d representation(the wire frame you import into AC3D).
I have sometimes got that message "Cannot load.mtl file, using default " and sometimes with older .obj files of Daz/Poser figures AC3D chokes completely with the import. Am not expert on the .obj format but there may be some limitations on the import of .obj geometry files into AC3D.
What I tend to do now is use UVMapper first. Open the figure in UVMapper then save the model and the 2D texture map. The result always seems to work fine in AC3D. UVMapper will also indicate the different material surfaces if you use the *Select by materials* option when playing withe the map.
You can download the free *Classic* version of Steve Cox's UVMapper here :
http://www.uvmapper.com/
And there is even a nice tutorial on using it to remap a Daz/Poser figure
I don't know what you are using the Michael figure for ... but Daz figures tend to have a lot of polygons (tens of thousands). Just the hands that come with the smiley guy I used in previous thread have 3000+ polys.
griff