Jerry Rizqallah

From Financial Backer to Control — and the Trust That Followed

Jerry Rizqallah occupied a different position within Michigan Secure Capital Group than most members of its executive team.

Jerry was consistently presented within MSCG as its Chief Financial Officer, a founding partner and as the individual providing capital to the operation. While other executives were contributing substantial, as-yet uncompensated labor and professional resources—in my case, both my executive work and the continuing resources of Viral Solutions Agency—Jerry’s distinguishing contribution was financial.

By November 2025, that role was evident in the company’s internal operations. Bob Morales referred in writing to a “Jerry approved budget” and directed that banking coordinates be provided to Jerry so that Jerry could send money for identified company expenses.

But Jerry’s role was about to become considerably more significant.

November 11, 2025: “You Picked the Good Group”

The November 11, 2025 MSCG executive meeting provides important context for what happened later.

During that meeting, Bob Morales returned to a story members of the group had heard before: what had happened to him at a previous company.

Bob said:

Bob Morales — November 11, 2025:
“I called out all my business partners who were all thieving the company and thought I didn’t know and I learned a lesson and that lesson was they voted me out of my own company.”

He continued:

Bob Morales — November 11, 2025:
“I got voted out and thank God I did because everybody else went to jail and the other ones they all kind of ran away. Couldn’t find them. Unfortunately they were friends and family. So, so now you, this group on the phone, are my friends and family whether you like it or not.”

“I love you all. And so my job is to protect us first.”

That story affected me.

Later in the meeting, when I was asked to speak, I addressed Bob directly. The transcript captures both what I said and the point at which I became emotional:

Christine Kelly — November 11, 2025:
“Bob, I wanted to address one thing with you in particular, and I’ve heard the story before about your board and the last iteration of it, and it always breaks my heart.”

“So, I just—I look around at the people that we have on the call today, and I just see the integrity, the commitment, the trust, and the heart. And I think that you picked the good group.”

Bob Morales: “Thank you. Great group. Great group.”

Christine Kelly: “That’s all I— Sorry.”

I believed what I said.

And Jerry Rizqallah was one of the people I was talking about.

November 11, 2025: Jerry’s Own Words

Jerry also spoke during that meeting.

His comments were brief, but they establish something important: Jerry was fully aware that this group was performing an extraordinary amount of work trying to get MSCG operational.

Jerry Rizqallah — November 11, 2025:
“I appreciate all the hard work, all of you, we’re all working 110 hours trying to get to the other side of this.”

“I’m working as hard as I can to get us over there just like Elizabeth, Christine, Steve, Nick, and Bob.”

Jerry wasn’t an outside investor hearing about our circumstances after the fact.

He identified himself as working alongside us.

Bob then described Jerry’s position in unmistakable terms:

Bob Morales — November 11, 2025:
“We have the greatest CFO. … Jerry is a supremely intelligent individual and he knows everything there is to know about business…”

Toward the end of the meeting, Bob went further. He identified Jerry and Cookie as co-founders and specifically told the group that if someone had a problem with Bob, they could take it to Jerry:

Bob Morales — November 11, 2025:
“If you don’t like something, you know, talk to Cookie or talk to Jerry. We’re the co-founders of this company. It doesn’t have to be me.”

“If you’re mad at me or upset with me or whatever, talk to Jerry about it and we’ll work it out.”

That was the position Jerry occupied within the company as it was being represented to us in November 2025.

November 11, 2025: The Budgets

The same meeting is also significant because Bob addressed the executive budgets we had been asked to prepare.

Those budgets were not rejected as unrealistic.

Bob said he had increased them.

Bob Morales — November 11, 2025:
“I appreciate the budgets that were sent to me. Um, but those budgets are not going to work. And you know why? Because I bumped them up.”

“I bumped all of your budgets up. Budgets need to go up.”

Earlier in the meeting, Bob had acknowledged the circumstances under which the group had reached that point, thanking everyone for their loyalty in getting there “with as little pay” and while people were “scraping the bottom of the barrel.”

He also told us during this meeting that the group had completed a 90-day probationary period—something he acknowledged he had not previously told us we were undergoing.

These statements matter because they document what was being represented to the executive team at the time.

We were working.

Bob knew we were working.

Jerry knew we were working.

Budgets had been submitted.

Bob said he increased them.

And the people performing that work were being told that MSCG was moving forward.

January 6, 2026: Jerry Says He Is Taking Control

Less than two months later, the company’s circumstances had changed considerably.

By the January 6, 2026 executive meeting, serious questions existed about unpaid obligations, company finances and who was actually controlling MSCG.

Jerry stated that he was in the process of taking over control of the company, organizing its books and handling its bills.

Given Bob’s repeated story about having once been voted out of his own company, I wanted to establish exactly what was happening.

I had not voted Bob out.

I had not participated in an effort to remove him.

I had not asked Jerry to take control.

So I asked Jerry directly.

Christine Kelly — January 6, 2026:
“Jerry, can I ask you a really candid question?”

Jerry Rizqallah: “Go ahead.”

Christine Kelly: “Did you actually assume control or did he tell you to say that?”

Jerry Rizqallah: “I submitted the documents to my bank, honey. So, the answer is yes. I wouldn’t commit fraud.”

Whatever the formal corporate effect of Jerry’s actions may have been, his representation to us was clear:

Jerry was telling us that he had assumed control.

January 6, 2026: “Jerry Is Not a Liar”

What happened immediately afterward is important because it demonstrates the level of trust Jerry still had within the executive group.

One executive, whom I will identify here only as EE, spoke up.

The automated transcript rendered Jerry’s surname incorrectly in this portion, so it is corrected in brackets below:

EE — January 6, 2026:
“Jerry might not always know the answer, but he’ll say, ‘I don’t know.’ Jerry [Rizqallah] is not a liar.”

EE then made an extraordinary contrast:

EE — January 6, 2026:
“Bob Morales is a liar.”

“Bob Morales is a liar. I’ll say that twice and I know this call is being transcribed.”

At that moment, those words reflected something very real.

We believed Jerry.

I certainly did.

The Mortgage

By this point, Jerry also knew about my personal financial circumstances.

For months I had been telling Bob Morales that my mortgage was in forbearance and that the accumulated payments would eventually become due. This was not a surprise that appeared after Jerry became involved in MSCG’s finances.

A November 26, 2025 email from Bob specifically connected anticipated funding from Jerry with my housing situation. Bob wrote:

Bob Morales — November 26, 2025:
“Jerry is going to cover the wages and rent, but if you want to use that for your mortgage, then you have an alternative…”

The Promise About My Home

Jerry also knew, personally and directly, what was happening with my mortgage.

This was not a financial emergency that appeared without warning. On October 29, 2025, I advised Bob Morales in writing that I was entering the final month of my mortgage forbearance and needed clarity regarding the compensation MSCG had been representing would begin.

On November 26, 2025, I again advised Bob that I needed to speak with Rocket Mortgage that day. Bob responded by specifically identifying Jerry as the person expected to fund wages and rent and discussed using those funds toward my mortgage.

Jerry later called me personally and had me log into my Rocket Mortgage account while we were on the telephone together. I did. The amount then required to bring the account current was approximately $22,000, representing roughly eleven months of accumulated payments.

Jerry personally assured me that I would not lose my house.

By January 13, 2026, I was writing directly to Jerry about the mortgage, explaining the circumstances that had led to the forbearance, the effect of the prolonged nonpayment, and the increasingly serious consequences. I expressly offered to provide him with the current Rocket Mortgage letter.

By February 17, 2026, the situation was no longer a threatened foreclosure. I formally notified Jerry and the executive team that my home was in foreclosure and requested immediate action. Lisa Moreno was copied on that notice. The same communication documented the unpaid hosting account and the potential loss of the infrastructure supporting MSCG’s websites.

Lisa subsequently contacted me on Jerry’s behalf seeking administrative access to the Cloudways infrastructure. During that conversation, I again discussed the foreclosure, the unresolved obligations and the prolonged nonpayment.

The home ultimately received an auction date.

I am deliberately not discussing what I subsequently did concerning my home. That is private and has nothing to do with the issue documented here.

What matters here is that Jerry knew. He knew the mortgage was in jeopardy. He personally had me access the Rocket Mortgage account with him on the telephone. He knew approximately what was required to bring it current. He assured me that I would not lose my home. And he continued receiving written notice as the situation progressed into foreclosure.

The complete mortgage chronology will be documented separately.

Look for that article soon.

Another Promise, Another Consequence

My circumstances were not the only ones known to Jerry.

Another MSCG executive, whom I identify here only as EE, was simultaneously experiencing severe financial hardship. During an Atlanta winter storm, EE was unable to obtain the hotel accommodation she needed. For two nights she stayed at an emergency shelter established at a library. She later slept in her car.

I know this not from something I learned months later. I was speaking with EE while it was happening.

Only weeks earlier, on January 6, 2026, EE had defended Jerry on the recorded executive call:

EE: “Jerry might not always know the answer, but he’ll say, ‘I don’t know.’ Jerry [Rizqallah] is not a liar.”

She then contrasted him directly with Bob Morales:

EE: “Bob Morales is a liar. … Bob Morales is a liar. I’ll say that twice and I know this call is being transcribed.”

At that moment, EE trusted Jerry. I trusted Jerry.

What followed changed that.

I am deliberately protecting EE’s identity here because this page is not about her.

It is about Jerry.

And the incident matters here for one reason: the people who trusted Jerry’s assurances were experiencing real-world consequences while waiting for the commitments being made to them to materialize.

What Happened to the Trust?

On November 11, 2025, I looked at the people around Bob Morales and said:

“I just see the integrity, the commitment, the trust, and the heart.”

And:

“I think that you picked the good group.”

On that same date, Jerry acknowledged that we were all working extraordinary hours trying to get MSCG “to the other side.”

On January 6, 2026, Jerry told me that he had submitted documents to his bank and confirmed that he had assumed control, adding:

“I wouldn’t commit fraud.”

Seconds later, EE defended him:

“Jerry [Rizqallah] is not a liar.”

Those statements are preserved in the contemporaneous transcripts.

So are the circumstances surrounding them.

What came afterward is also part of the record.

The commitments we were relying upon did not materialize as represented. EE ended up sleeping in her car during an Atlanta ice storm. My home entered foreclosure proceedings and received an auction date despite Jerry’s personal assurance that I would not lose it.

For me, that is the central issue on Jerry Rizqallah’s page.

It isn’t simply about money.

It isn’t simply about a company that failed to meet its financial commitments.

It is about trust.

In November, I believed Bob had chosen a group defined by integrity, commitment, trust and heart.

In January, when I questioned Jerry directly, I believed his answer.

EE believed him strongly enough to defend his integrity on a recorded and transcribed company call.

We trusted Jerry.

What followed broke that trust.