In our life we always have the opportunity to choose God and his love. Immediately after our death each of us will be judged based on what we did or did not do.
If we choose God during our life, then we go to heaven, possibly via purgatory. Someone who deliberately and consciously rejected God’s love during his life chooses hell. People who do their best to live as Christians and to love God and their neighbour don’t need to be afraid of judgment. God wants everyone to go to heaven.