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St. Paul said: "Who show the work of the law written in their hearts, their conscience bearing witness to them, and their thoughts between themselves accusing, or also defending one another, in the day when God shall judge the secrets of men by Jesus Christ (Romans 2:15-16).

This is not the judgment spoken of in Rom 14:10-12; 1 Cor 3:10, 4:5; and 2 Cor 5:1-10...In this judgment there are only Christians...And none of them go to hell (or purgatory)...

Its true there are two judgments, the Particular Judgment which happens to every person, both the righteous and the unrighteous, individually, right after your demise

Nope...There is no judgment for the unrighteous (unsaved) at their demise...

Joh_3:18 He that believeth on him is not condemned: but he that believeth not is condemned already, because he hath not believed in the name of the only begotten Son of God.

The second we're aware of sin against God, we're headed for hell...Christians however are judged the moment they are saved, and found to be just...

Joh 5:24 Verily, verily, I say unto you, He that heareth my word, and believeth on him that sent me, hath everlasting life, and shall not come into condemnation; but is passed from death unto life.

God could have written the bible like a dime store novel where every truth was layed out in a nice little package but obiously he chose not to do that...I suppose that's because he want his disciples to get immersed in the scriptures, so they miss nothing...He wants us to work at it...

2Ti 2:15 Study to shew thyself approved unto God, a workman that needeth not to be ashamed, rightly dividing the word of truth.

Christians however are judged the moment they are saved, and found to be just...

Because we are declared just by the court of heaven, having the record of our debt to God being canceled, and the righteous life and deeds of Jesus being credited to our account.

Once we are declared righteous by God, we are saved.

If someone who claims to have put their trust in Christ for salvation or who even merely claims to believe in God is going to hell, they are not saved.

No saved person goes to hell. Hell is what we're being saved from.

You can't be saved (from hell) and end up going there.

If they think that someone who is saved is going to hell, I'd sure love to know what the heck the saved person is then saved from.

Relying on Romans 2, this is how I think it goes:

The particular judgment will be instantaneous, and some say that in the moment of death the soul is illuminated as to its own guilt or innocence and of its own initiation takes its course either to hell, or to purgatory, or to heaven. (That fits in with what you said about the unrighteous being "already condemned," and where St. Paul says that their inward thoughts are already accusing and defending them.)

But then Paul says, "...or also defending one another, in the day when God shall judge the secrets of men by Jesus Christ (Romans 2:15-16).

So GOD is judging the secrets of men, "by Jesus Christ."

In one of His parables about judgment, Jesus also makes reference to a "prison" from which you will not get out "until you have paid the last penny." (Matthew 5:26, Luke 12:59). That's obviously not heaven (heaven's not a prison), nor hell (you never get out of hell), but another place, a hopeful place, a temporary place of purification of souls which are saved but are not yet perfect, not yet freed from the least attachment to sin.

After the General Judgment at the end of the world. there will just be the two eternal destinies: Heaven and Hell. And, somehow --- I don't know how to explain it --- new Heavens and a new Earth.