There isn’t an actual place you can go and visit or live in that’s called Hell. There are only the various spirit worlds and spheres, their sectors and planes. However what is generally referred to as being Hell is to be found in the lower two Earth planes, those you can live in before you actually start your mansion world existence.
Hell, as you know is more a state of mind and will, and it comes about because of unloving actions you do to another, such as we were speaking about the other day. If as an adult you wilfully interfere with and hurt another person or creature, then you are incurring the extra pain we spoke of. And this pain must be compensated for under the Law of Compensation as explained in the Padgett Messages. Mostly people hurt other people and nature simply out of ignorance, they don’t actually mean to, or set out to. And often they are not even aware that their actions have caused any suffering, have crossed the line and interfered with another’s will. And all these actions come under the heading of being done by default, which means, because of being in your negative state and being untrue to yourself, all of which you have been made to be by default - it being imposed on you as you were growing up and forming, if you’re not outrightly seeking to hurt another but do, then it’s by default. And so such ‘mild’ transgressions, if I can put it that way, one also has to compensate for, however, they can be done as you continue your life, so as a spirit, as you live on in the mansion worlds. And most of such unloving actions you account for during your healing. So you don’t have to go into any particular - extra - condition in which you pay for such unloving actions. And so you’d not have to go and reside in the hell planes paying off your debt. Your debt being the negative ledger you accrue through all thoughts, words and deeds that transgress the Laws of Will.
But ultimately we all have to balance the books - that’s what you’re saying.