I've not had that kind of experience in over 30 years. I'm a bit older now, and I would hope that my response would be something similar to:
Me: "Am I under arrest?"
No: "I would like my attorney present before starting this discussion. Please provide me some contact information so we can schedule this."
Yes: "I wish to have my attorney present. I will not be answering any questions or discussing this matter."
Now, I don't know if I'm actually that brave, but I've at least got a plan.