This is such a great question, it really had me doing my research and biblical evidences to understand for myself, and explain as best as I could.
The heading would be: THE ACCOUNT WE MUST GIVE: The Positive Side of the Judgments of the Lost and Saved.
The Scriptures are taken from 2 Corinthians 5:10-15.
1.The Bible clearly teaches there will be a day of accounting for every man, woman, boy and girl.
Hebrews 9:27: clearly says, "It is appointed unto men once to die, but after this the judgment."
The Bible's message of judgment is not popular today, and many denominations and churches never preach on the subject.
They fail to understand that God's negative message of a coming judgment for us all, is in fact presenting the positive message of God's Grace and Mercy.
Every time in the Bible God tells of his wrath and judgment on sin, it is always accompanied with the positive message of God's forgiveness to those who heed His warning and turn from their sin. God says in:
2 Peter 3:9:"The Lord is not slack concerning his promise, as some men count slackness; but is longsuffering to us-ward, not willing that any should perish, but that all should come to repentance."
The negative message of judgment is a loving warning to all mankind and a positive message of possible forgiveness and redemption. Clearly that is why God warns us of the coming judgment because He wants us to be forgiven and avoid condemnation. God gives every man a choice as to whether he will spend eternity in heaven or hell.
God's love is shown in that the way to heaven is impossible for a man to earn or merit because he is a sinner and because of his sin under the condemnation of sin. Therefore God, Himself, came to this earth incarnate in man, the man Jesus Christ and He suffered and did for our sins. HE paid the debt we could not pay and offers salvation---which means forgiveness of sins and eternal life to all who will be faithful and believe and receive it. He did for us what we could not do for ourselves.
2. The Bible tells us of two judgments:
(a) The judgment of the lost: Rev. 20:11-15. It is called the "Great White Throne Judgment".
(b) The judgment of the saved: 1Corinthians 3:10-23,
2Corinthians 5:10-11. It is called the BEMA judgment, which is the Greek word for " Judgment Seat." It refers to the Greek Olympic and the place where rewards were given.
There would be at the end of the competition a giving of rewards.
Three rewards would be given: First place for the best athlete, second and third rewards for those that came in the next two places. It was not a place of condemnation, but only a place where rewards were given.
God's judgment of Christians is the same. No one at this judgment will be condemned because they are Forgiven of their sins, and saved, but here all will be judged accounting to their works for Christ. As Paul put It we will be judged according to how we ran the race of this Christian life.
3. It should be understood that everyone will appear before God at one of these two judgments.
Which judgment one stands before is determined simply by one fact: Whether one has believed and trusted in Jesus Christ as their Saviour or not.
Neither judgment is to determine whether one goes to heaven or hell! This is determined now while we are living. Many people have the false idea that after we die we stand before God ad He weighs our lives. If we did more good things than bad things we can go to heaven. In other words we by our good deeds can earn heaven.
However, this is absolutely False.
If we believe God's word and receive Jesus as our Saviour, we be judged at the BEMA judgment and will go to heaven.
Everyone at the BEMA goes to heaven.
If we refuse to believe and die without receiving Christ, we will be judged at the Great White Throne Judgment and everyone there is cast into the "Lake of Fire" or Hell and eternally separated from God.
"He that believeth on the Son hath everlasting life: and he that believeth Not the Son shall not see life; but the wrath of God abideth on him" (John3:26)
What one does NOW determines where he will spend eternity. It is not determined after death. There is absolutely no judgment after death of one's works or deeds to determine whether they go to heaven or hell!
That is a totally false idea and not taught in the Scriptures. No one, after they die, stand in judgment to determine if they go to heaven or hell.
B: 1Cor.3:15, says that if a man's works are burned in the fire, He will Suffer Loss! It further says that some there will get no reward at all! This person will be saved, but "so as by fire."
It has the meaning of referring to a person who runs out of a burning building barely escaping with his life. 1John 2:28-29, says there will be "shame" for some at the coming of Christ as they stay before Jesus Christ.
1John 1:9:"tells us to confess our sins to the Lord. he verse says to confess and Christ will forgiven us and cleanse us for sin. It means He will work in our lives so that we can overcome our sins. But aren't we already forgiven?
Why does God say he will forgive us now, when other Scriptures tells us we already are forgiven?
At the BEMA judgment all we did whether living for the Lord, or not which is sin will be judged.
Yes we are forgiven, but the consequences of our sins must be dealt with. God cannot reward unfaithfulness.
Two sets of Christians will be at the BEMA.
One rejoicing receiving crowns and rewards that they in turn lay at Christ's feet in worship and thanksgiving to Him.
They will honor and glorify the Lord Jesus who is worthy! (Rev.4:9-10)
The others will stand ashamed, heads down with nothing to offer.