I agree with the answers so far. Hell and heaven are states of mind and we have and live them while we are here. The more we are united with our True Core, we live the Kingdom of Heaven right here, the less in sync with it we are (which means, the more negative emotions we allow in our experience), we live the hell on earth.
This concept seems to go on after our physcial death as well, as some Near-death-experiences indicate, when people were actually suffering torture and pain until they gave up and surrendered. Then they saw the light and knew that it was all their own doing and their own belief systems.