Hi Zing, our Zack wears a part material, part chain only when he goes out. He sees it as his 'coat' so is excited about wearing it as it means walkies.
You need to play the doggy shrink here and make it a fun game for her. Reward her for putting it on and take her mind off it. If she hasn't always worn one, its alien to her so who can blame her for not being happy about it.
Its just like this one Zing
http://cgi.ebay.co.uk/DOG-COLLAR-Sem...em?refid=store