some believe that the afterlife can be composed of worlds of your own making..like a dream that never stops. it can be possible to escape the dream and most do. they join up with their soulmates and eventually prepare for an even higher level of existance.

if a soul is too stubborn, evil or it's karma is too weak it can be extremely hard to escape their dream (or in this case an eternal nightmare or "Hell"). Ive read reports of people astrally connecting to these Hell dimensions and he said he saw a lot of drug addicts stuck in there.
Even fucked up souls like these have spirit guides that will try to pull them out of this qaugmire, though.