I came across this site because i wanted to know when this "judgement" would take place. Upon reading this i realized that God is frigging Santa Clause. Keeping a tally of everything you do, then punishing you for it!
What i also got from this website was that upon your death you know nothing and then are judged. There is a huge mind erase that takes place and you are judged. So, if there was a hell there are people there and they don't even remember why!
http://bible.org.nz/common-qaa/54-when-will-we-be-judged-is-it-right-when-we-die-or-do-we-wait-somewhere-until-christ-returns.html
Where is the mercy for that? Punishment for a crime that I don't even remember?! But you do, so it's fair? WTF?