Hi, try using this tutorial which I wrote, their maybe some differences since I wrote it using Photoshop 6, but it should be pretty much the same.
http://www.soccergaming.tv/showpost....&postcount=124
That should sort out your black problem and as for collars, if you have FIFA, you've got all the templates you need there. Just open up one of the kit files and trace around EA's collar then your (almost, because you never know with EA) assured that it will look perfect ingame even if it doesn't look the prettiest on the texture.