Now would be better than later, but if you are unable to pay one, the public defender will not evaluate you for representation until charges are filed. In the meantime, stop talking to the police.
This answer is provided for general information only. No legal advice can be given without a consult as to the specifics of the case.
You need a lawyer. I have had several experiences where clients have hired me before charges were filed and we have been able to prevent the charges from going forward.
This is not intended as legal advice. It is only provided for educational purposes and cannot be relied upon as legal advice. Further no attorney client relationship is or has been formed by answering this question.
Lots of lawyers will consult with you initially for free including myself. The two things you should do right now is speak to some lawyer about your rights and stop talking to the police. If you cannot afford a lawyer, you can always contact the Public Defenders Office. They can special qualify you if you have not been charged but are being questioned by police. I suggest contacting some attorney right now about your rights because it may take the Public Defender in Eau Claire a little while to get you an attorney if you qualify for representation.