California lottery winnings cannot be legally assigned except by court order. Did you (or the lender) obtain a court order? If not, the assignment is not valid. Assuming you did assign your winnings with a valid court order, I don't think there is any way you can get the final three years' payments in advance. You cannot use those last three years as collateral for a loan or an advance. Speak with a qualified Washington bankruptcy attorney to find out whether bankruptcy will help with your situation.
If, by any chance, you assigned your lottery winnings without a court order, you have other options. I am including a link below to California's law on lottery assignments.