Actually there are two judgments: Particular and Final.
We are particularly judged when we die. Souls immedieately go to Heaven (or Purgatory before Heaven if cleansing is still necessary) or Hell. 1 Peter 4:17 seems to back up the idea that we are being judged NOW as well.
Catholic souls go to Purgatory, it seems their choice to do that may be honored by God.
Mainstream Christians go to heaven, there is no Purgatory for them.