Can a creditor put a lien on your home for an unsecured loan in Florida without first getting a judgment?

In the state of Florida nobody can take your primary home, or primary car without obtaining a judgment. Florida is more strict on collecting debts than all of the other states, and even if your creditors sue you they only have 4 years to do it and it can only be for the original amount of the debt. They cannot assess any extra penalties or fees, other than the usual court fees.