Hell is a state of total denial. It is the end result of "seek and do not find".
It happens metaphysically, based entirely on previous logical steps, and having gone through all the "laws of chaos" which are stages in the ego thought system.
1) You believe you lack love/God.
2) You believe love must be somewhere else, outside of you.
3) You believe others are responsible for providing it.
4) You try to manipulate others into providing it.
5) If they provide it, you temporarily think you are in heaven, since you are getting specialness, which tries to substitute for a lack of love (and fails)
6) If they do not provide it, you are FUCKED.
What happens then, if others do not fulfill your "need" or lack, is that you have absolutely nowhere to turn. You can't get it from God because you believe He stopped loving you. You can't get it from yourself because you denied it's in you. You can't get it from others because they are refusing to give it.
So now you are left in this state of lack, neediness, emptiness, lovelessness, with no "way" or tool or mechanism through which you can correct the emptiness. And the seeming absence of love DOES seem like a nightmarish hell of judgement, attack, hate, suffering, guilt, fear, sickness, torment and death, with no peace anywhere. Hell is psychological.
It's like having something wrong with you with absolutely no way to correct it. The ego has no further options or solutions available to you, and has led you away from all solutions to an oblivion of desperation and horror. There is no-one who can seemingly offer salvation to you because they are all refusing it, and so there is no way to "satisfy" the craving for love. It then seems you are in a state of CONSTANT LACK of love - the idea of absolute permanent unlove - the ego's opposite to heaven and eternal happiness.
This produces the state of HELL - the idea that love (you/God) does not exist.
This is also what surfaces when someone is needy and others fail to meet the needs and reject them. Or someone who is supposed to love you turns into an enemy. All of a sudden there is no special love to cover up your self hate - the same self hate which denied the love that was in you to begin with which created the need for a substitute - and so now the lid comes off the self hate and out it comes in a rage of hellish proportions.
It then seems like a nightmare that no-one loves you, you are alone, you have this huge problem which you cannot solve, you see no way out, no way to heal it or resolve it, there seems to be no-one who wants to save you, and so you are totally fucked and have nowhere to go.
Except there is one way out of hell. And that's through forgiveness.
Because what really needs to happen is the recognition that love is not lacking, therefore you have no need to find it, therefore you do not need a savior, therefore it doesn't matter if other people are filling the need or not, and therefore you are already supplied with love, and therefore you are with God, and therefore YOU ARE IN HEAVEN.
"Forgiveness is the way out of hell for you."