The particular judgment occurs at the very moment of death. There is no time for a second chance or another choice. There will be no opportunity to explain ourselves, but we will listen and God will pronounce judgement. This judgement will be eternal.
And yet, we need not be afraid! The saints looked forward to their day of death, and the Church considers the day we die to be more truly the day of our birth - a birth into true life in heaven!
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