Unwrap continued
I decided to cut the top of the sholders. (I will stitch these back together later in max)

This is the result. Much better. Looking at the model in the viewport i can check to see if there is any stretching of scale issues. (and there isnt)
This is for the most part a typical unwrap in wings. (the problem with the coller probably wont come up very often). next I will export the model back into max and go about stitching the sholders and placing the shirt in the characters layout.
You may find that you have to redo your unfold many times. Its sometimes easier to make too many seems and then try and cut some out. (practice of course is the best plan!)
