It can be summed up very briefly. At death the soul of man, if quite fit, goes at once to heaven; if not quite fit, to purgatory; if quite unfit, to hell. The soul which has repented of all its sins, and has fully expiated them in this life, is quite fit for heaven at once. The soul which departs this life in a state of unrepented mortal sin can never be fitted for heaven, and goes to hell. But a soul which has sincerely repented of its sins, yet has not fully expiated them, secures immunity from hell by repentance, and goes to purgatory until it has expiated all its deficiencies.
Radio Replies Volume 1 by Rev. Dr. Leslie Rumble MSC and Rev. Charles Mortimer Carty