I will keep holding but I'm in way over my head. I brought in 2...

I will keep holding but I'm in way over my head. I brought in 2 years ago at least. I'm broke and I desperately need another car. I really don't know what I'm doing and I just drop in here occasionally to see what you guys are saying. I don't want to loose this money but...
If I did except the offer how long would it take until I was payed out at a guess?
If I waited for a higher offer would that come this year?
I know no one knows the answers but maybe someone has a rough idea, without chewing my head off