We are 2 months behind on a sba loan and the bank has sent out letter requesting a meeting, we believe we will be closed and forced into bankrupcty.

The bank has requested a conference with you because they are looking for a way to solve their problem with your loan. It is not in anyone's interest for you to be closed and forced into bankruptcy. If you fail to meet with them, they will see that as a sign of bad faith or lack of interest and will only proceed with their remedies more quickly. You may wish to consult with an attorney who specializes in business insolvencies.