Source
here.
Christ refers to the **sinner who “will not be forgiven, either in this age or in the age to come” (Matt. 12:32), **suggesting that one can be freed after death of the consequences of one’s sins. Similarly, Paul tells us that, when we are judged, each man’s work will be tried. And what happens if a righteous man’s work fails the test? **“He will suffer loss, though he himself will be saved, but only as through fire” (1 Cor 3:15). **Now this loss, this penalty, can’t refer to consignment to hell, since no one is saved there; and heaven can’t be meant, since there is no suffering (“fire”) there. **The Catholic doctrine of purgatory alone explains this passage. **
Then, of course, there is the Bible’s approval of prayers for the dead: “In doing this he acted in a very excellent and noble way, inasmuch as he had the resurrection of the dead in view; for if he were not expecting the dead to rise again, it would have been useless and foolish to pray for them in death. But if he did this with a view to the splendid reward that awaits those who had gone to rest in godliness, it was a holy and pious thought. Thus he **made atonement for the dead that they might be freed from this sin” (2 Macc. 12:43–45). **Prayers are not needed by those in heaven, and no one can help those in hell. That means some people must be in a third condition, at least temporarily. This verse so clearly illustrates the existence of purgatory that, at the time of the Reformation, Protestants had to cut the books of the Maccabees out of their Bibles in order to avoid accepting the doctrine.
Prayers for the dead and the consequent doctrine of purgatory have been part of the true religion since before the time of Christ. Not only can we show it was practiced by the Jews of the time of the Maccabees, but it has even been retained by Orthodox Jews today, who recite a prayer known as the Mourner’s Kaddish for eleven months after the death of a loved one so that the loved one may be purified. It was not the Catholic Church that added the doctrine of purgatory. Rather, any change in the original teaching has taken place in the Protestant churches, which rejected a doctrine that had always been believed by Jews and Christians.
Why Go To Purgatory?
Why would anyone go to purgatory? To be cleansed, for “**nothing unclean shall enter [heaven]” (Rev. 21:27). **Anyone who has not been completely freed of sin and its effects is, to some extent, “unclean.” Through repentance he may have gained the grace needed to be worthy of heaven, which is to say, he has been forgiven and his soul is spiritually alive. But that’s not sufficient for gaining entrance into heaven. He needs to be cleansed completely.
Fundamentalists claim, as an article in Jimmy Swaggart’s magazine, The Evangelist, put it, that “Scripture clearly reveals that all the demands of divine justice on the sinner have been completely fulfilled in Jesus Christ. It also reveals that Christ has totally redeemed, or purchased back, that which was lost. The advocates of a purgatory (and the necessity of prayer for the dead) say, in effect, that the redemption of Christ was incomplete. . . . It has all been done for us by Jesus Christ, there is nothing to be added or done by man.”
It is entirely correct to say that Christ accomplished all of our salvation for us on the cross. But that does not settle the question of how this redemption is applied to us. Scripture reveals that it is applied to us over the course of time through, among other things, the process of sanctification through which the Christian is made holy. Sanctification involves suffering (Rom. 5:3–5), and purgatory is the final stage of sanctification that some of us need to undergo before we enter heaven. Purgatory is the final phase of Christ’s applying to us the purifying redemption that he accomplished for us by his death on the cross.
No Contradiction
The Fundamentalist resistance to the biblical doctrine of purgatory presumes there is a contradiction between Christ’s redeeming us on the cross and the process by which we are sanctified. There isn’t. And a Fundamentalist cannot say that suffering in the final stage of sanctification conflicts with the sufficiency of Christ’s atonement without saying that suffering in the early stages of sanctification also presents a similar conflict. The Fundamentalist has it backward: Our suffering in sanctification does not take away from the cross. Rather, the cross produces our sanctification, which results in our suffering, because **"[f]or the moment all discipline seems painful rather than pleasant; later it yields the peaceful fruit of righteousness" (Heb. 12:11). **
Nothing Unclean
Purgatory makes sense because there is a requirement that a soul not just be declared to be clean, but actually be clean, before a man may enter into eternal life. After all, if a guilty soul is merely “covered,” if its sinful state still exists but is officially ignored, then it is still a guilty soul. It is still unclean.
Catholic theology takes seriously the notion that “nothing unclean shall enter heaven.” From this it is inferred that a less than cleansed soul, even if “covered,” remains a dirty soul and isn’t fit for heaven. It needs to be cleansed or “purged” of its remaining imperfections. The cleansing occurs in purgatory. Indeed, the necessity of the purging is taught in other passages of Scripture, such as 2 Thessalonians 2:13, which declares that God chose us “to be saved through sanctification by the Spirit.” Sanctification is thus not an option, something that may or may not happen before one gets into heaven. It is an absolute requirement, as Hebrews 12:14 states that we must strive “for the holiness without which no one will see the Lord.”
one step forward, 2 steps back… 
