If you really want to know, ask those who have been there and come back to tell their story. The near death experiance is the answer to everything you want to know. The following are excerpts from the personal accounts of various NDE's.
I voted for the "Separation or torment, but not forever" I really don't think hell is forever, but how the hell would any of us know for real.
Hell is a lack of wisdom and not moving forward to progress. Hell is not a place. (Cecil)
Hell is a spiritual condition we create by being away from God until we choose to return to God. Hell is a spiritual condition that is totally devoid of love. (Sandra Rogers)
Hell refers to levels of negative thought-forms that reside in close proximity to the earth realm. It is where we go to work out, or remain within, our hang-ups, addictions, fears, guilt, angers, rage, regrets, self-pity, arrogance, or whatever else blocks us from the power of our own light. (P.M.H. Atwater)
Hell contains people who have been alcoholics or drug addicts, who find these cravings still with them after death. They stay near the earth to be near alcoholics or drug addicts who are still in the physical body, in order to participate vicariously in the sensations which alcohol and drugs give. They can be helped in the world beyond to clear their soul bodies of these cravings so that they, too, may go on and progress. However, this is a long and tedious process. (Margaret Tweddell)
After death people gravitate into homogenous groups according to the rate of their soul's vibrations much like throwing a small pebble into a threshing machine. It goes into the box that fits its proper size and weight. After death, we are sorted by the high or low vibrations of our soul. Everyone goes where they fit in! High vibrations indicate love and spiritual development, while low vibrations indicate debasement and evil. All one has to do is to love so unselfishly that their soul-vibrations rise high enough to fit into heaven. (Arthur Yensen)
Concerning hell, heat is molecules in motion, while cold is their lack of motion. Likewise, love is a fast vibration of the soul, while hate is a slower vibration. Complete love would be God, while complete hate would be death, leaving the soul extinct. (Arthur Yensen)
Hell is the pain, anguish, hurt and anger that you have caused others or who suffered as a result of your actions/words to others. Hell is what you have created for yourself within your soul by turning your back on unconditional love, compassion and peace. (Tina)
What people call hell is really a spiritual time-out condition in which souls reflect and work out the things that blocked them from the power of their own light. (P.M.H. Atwater)
Concerning hell, heat is molecules in motion, while cold is their lack of motion. Likewise, love is a fast vibration of the soul, while hate is a slower vibration. Complete love would be God, while complete hate would be death, leaving the soul extinct. (Arthur Yensen)
Heaven and hell are spiritual states of being. They are not static states but are states in which there can be growth and progress toward ultimate wholeness of being. (Margaret Tweddell)
After death, if a soul has been too bad, they go to a realm of lower vibrations where their kind of thoughts can live. If they entered heaven, they would be annihilated by the Master-Vibration of God. This is because souls gravitate into groups according to the rate of their soul's vibrations. If the percent of discord in a soul is small, it can be eliminated by God; then the remaining good can live on in heaven. However, if the percentage of bad were too high, this couldn't be done, and the person would have to gravitate to a lower level and live with people of his own kind. Birds of a feather, flock together. (Arthur Yensen)
Since I had lived such a totally self-serving existence, I was in a hellish state of indescribable agony and sorrow. I was in shear agony. I still remember being on my knees while this blinding light broke and crushed my false-ego. This breaking process was extremely painful. (Daniel Rosenblit)
Negative thoughts cannot be expressed in the heavenly realms - only positive ones. (Ned Dougherty)
God is the Master-Vibration who neutralizes all negative thoughts so that you think only the good thoughts, such as love, freedom and happiness. (Arthur Yensen)
http://www.near-death.com/experiences/research14.html