Barnett's harley davidson in Texas has an alternative credit plan that may be worth looking into, How ever i agree the best thing is to have some cash for a down payment and possibly a co-signer with good credit - hopefully you have at least 6 mos of steady employment and some sort of possitive info on your credit report !
Good Luck.....Everyone should ride!
Get a free credit report and see whats on there and see what kind of arrangements you can make with creditors - if an agreement is reached then you will get props for making an attempt to make things right and everytime you send them a payment it makes your credit report look a little better even if its a small amount....consitency is key !