Hell is a state of mind. And the mind is a place.
The Srimad Bhagavatam describes various hellish planets in which the soul suffers inside rivers of pus, stool, urine, blood, etc.
Guess what? The soul is ALREADY inside a river of pus, stool, urine, blood. It is called your BODY! For all intents and purposes, you are already IN hell. The material world is like a prison. Inside a prison there are negative activities going on such as rape, murder, robbery. And inside the prison there are glimpses of positivity, such as gaining knowledge, friendships, instances of freedom from prison, etc.
Both these "good" and "bad" things are taking place inside the one prison. Similarly, "heaven" and "hell" are simply different degrees of our perception of the one material world.
Since your soul is spiritual, your concern more accurately should be "Am I going to be liberated to the spiritual world, or will I remain in the duality (heaven/hell) of the material world?" Duality is a characteristic of mind, and mind is not spirit. Spirit is absolute, it exists beyond the farthest reaches of the mind.
I feel the anguish you pouring out in your words, and I see people dealing with those concerns and questions every day. This is an infinitely deep subject and alot of cats have given you some good advice. Instead of rambling on some more I will just say that the first thing you should do is consciously remind yourself that there *IS NO* heaven/hell duality. That dualistic outlook is nothing more than the conditioning of mind. Understand that existence is ABSOLUTE, that means that "heaven" and "hell" are 2 sides of 1 coin. That 1 coin is your mind, which needs an opposite in order to understand the principle of a thing. Hot/cold, up/down, left/right, good/bad, etc. See *past* that duality into the Oneness of existence and the answers will be found.
I don't know what you think about Jesus but there is a nice quote of his:
Jesus said to them:
when you make the two one, and
when you make the inner as the outer
and the outer as the inner and the above
as the below, and when
you make the male and the female into a single one,
so that the male will not be male and
the female not be female, when you make
eyes in the place of an eye, and a hand
in the place of a hand, and a foot in the place
of a foot, and an image in the place of an image,
then shall you enter the Kingdom.
Jesus is giving you the recipe for transcendence, for leaving the duality of the world behind you. This teaching goes completely against the doctrine of heaven and hell, and shows that man plays part in whether or not he ascends to the spiritual kingdom.
Stay up pimp.