Sorry, but purgatory does not exist. It’s one of your church fairy tales.
If the debt could be paid by man then Christ needed not had gone to the cross for our sins. NOTHING in works or punishment we can do will ever pay our debt of sin or even a small fraction of it. Burning 10,000 years for one sin would not accomplish it. For if you break even one Commandment you break them all.
It is GOD's plan of salvation with Christ being the Sacrificial Lamb whose blood cleanses our sin that does it. There is no purgatory. There is heaven, there is hell, there is a choice between which place one goes to eternal. When you die your body sleeps but your spirit being is with The Lord that very hour you die if you receive Him as Lord and Savior if not then hell begins for all eternity.
Moses body is dead but Moses lives as well as Elijah. Christ showed this to His Disciples. Being beside someone who is a believer and passing into their death can be very peaceful. They sometimes describe what they are seeing in the transition the beauty and the peace. Being with an unbeliever who is dying can be horrid as they yell and scream in torment for they see such horrors they can't describe them.
My wife is a medically retired nurses aide and her job dealt with death and sitting with those making the passage. She held the hands of quite a few patients who were dying and sat with them till they did. She herself has been so close to death that she was describing it to me and the peace she was feeling and wonders she was seeing. But it wasn't her time. Many persons have been witness experiencing to the beyond and returning including the late Marty Robbins.
Now I do believe that we do pay on earth for what our sins have wrought us. We are forgiven but while on earth in the flesh must live with what problems and woes our sin has caused us. This is an earth cause and affect though.