The so-called particular or personal judgment occurs at the moment of death of the individual. The general judgment, which is also called the Last Judgment, occurs on the Last Day, at the end of the world, when the Lord comes again. [1021-1022]
In dying every man arrives at the moment of truth. Now it is no longer possible to repress or conceal anything; nothing more can be changed. God sees us as we are. We come before his tribunal, where he proclaims and brings about what is just. Perhaps we will still have to undego a process of purification, or maybe we will be able to fall into God’s arms immediately. But perhaps we will be so full of wickedness, hatred, and denial of everything that we will turn our face away from love forever, away from God. A life without love, however, is nothing but hell.