Court ordered restitution is separate from any civil claim. If the victim sued you, they could get a civil judgment, which would negate the restitution I believe. They can't get both. I am sure having the state probation department play bill collector is much more effective then going the civil route. Usually you have to pay the full restitution BEFORE probation ends. I have no idea what your charge was, but unless it was related to credit in some way, I don't see how probation can control your civil credit facility or your banking relationships. I am not real familiar with the internal workings of Florida probation, but have not heard of the state getting a civil lien in a probation case for a third party. You don't have a house, so a lien against what? A civil judgment would have to come from the victim suing you and winning in a civil court. Unpaid restitution results in probation being extended or the court simply ordering the continuation of restitution payments through the probation office after probation ends. You can't then be revoked, but you could be held in contempt of court for not making the payments.

I am a bit surprised you got only 3 years probation with that much restitution.