Heck is actually a place of its own, if memory serves. There's heaven, hell, and heck. Heck is the place you go if you don't believe in God, but you haven't necessarily done anything bad enough to deserve going to hell. But I can totally be mistaken, too.
I'll have to consult with my grandmother about it. But I know that there is a third world, and the description is correct, as well. Heck could be totally unrelated. But I know the other information is correct.