What does the Bible or Christianity say happens to us when we die? Do we stay asleep until the resurrection? If that's the case, then why do Christians report having contact with dead loved ones? Indeed, even the Bible details a witch summoning the spirit of Samuel after he died (1 Samuel 28:3-20).
 
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What does the Bible or Christianity say happens to us when we die?
Here's a response from one of my go-to sources for biblical answers, from GotQuestions:
Within the Christian faith, there is a significant amount of confusion regarding what happens after death. Some hold that after death everyone “sleeps” until the final judgment, after which everyone will be sent to heaven or hell. Others believe that at the moment of death people are instantly judged and sent to their eternal destinations. Still others claim that, when people die, their souls/spirits are sent to a “temporary” heaven or hell to await the final resurrection, the final judgment, and the finality of their eternal destination. So, what exactly does the Bible say happens after death?

First, for the believer in Jesus Christ, the Bible tells us that after death believers’ souls/spirits are taken to heaven, because their sins were forgiven when they received Christ as Savior (John 3:16, 18, 36). For believers, death means being “away from the body and at home with the Lord” (2 Corinthians 5:6–8; Philippians 1:23). However, passages such as 1 Corinthians 15:50–54 and 1 Thessalonians 4:13–17 describe believers being resurrected and given glorified bodies. If believers go to be with Christ immediately after death, what is the purpose of this resurrection? It seems that, while the souls/spirits of believers go to be with Christ immediately at death, the physical body remains in the grave “sleeping.” At the resurrection of believers, the physical body is resurrected, glorified, and reunited with the soul/spirit. This reunited and glorified body-soul-spirit will be the state of existence for believers for eternity in the new heavens and new earth (Revelation 21—22).

Second, for those who do not receive Jesus Christ as Savior, death means everlasting punishment. However, similar to the destiny of believers, it seems that unbelievers also go to a temporary holding place to await their final resurrection, judgment, and eternal destiny. Luke 16:22–23 describes a rich man being tormented immediately after death. Revelation 20:11–15 describes all the unbelieving dead being resurrected, judged at the great white throne, and cast into the lake of fire. Unbelievers, then, are not sent to hell (the lake of fire) immediately after death, but they are rather sent to a temporary realm of judgment and anguish. The rich man cried out, “I am in agony in this fire” (Luke 16:24).

Is there any reason to doubt any of the points above? I think so, and if not doubt, there's certainly some unanswered questions. What happens to those who were born before Christ, like all of the righteous in the OT? What does the story about a necromancer talking to Samuel's soul or spirit reveal in 1 Samuel 28:3-20?