What happens to believers who stop going to church? Do they go to hell or are there consequences?
It's not a binary on-off switch situation.
What happens to a person if they stop eating? They become malnourished, it negatively affects their health. It can, of course, result in death, that's the worst thing that could happen.
When we stop going to church it's very similar, we are depriving ourselves of the spiritual nourishment we need, and it negatively affects our spiritual health. The worst case scenario is that we make shipwreck of our faith, and we abandon Jesus, throwing away His promises--in which case we may very well find ourselves in hell. But it's not because "I stopped going to church, now I'm going to hell", it's that I am starving myself of God's grace, I am starving myself of God's word, I am quenching the Holy Spirit, and I am walking away from the hope and eternal life I have in Christ. It's why the Scriptures constantly tell us to be at the receiving end of grace--to hear God's word, to come together, partake together of God's gifts, to share life together as the Body of Christ--because this is God's ordered means for how we have a healthy, growing relationship with Him where our faith is being strengthened. Because out in the world our faith is being assailed daily by temptation, by lies, but the spiritual wrongness that exists--both within ourselves and in a world broken by sin. The devil is a scavenger, a liar, and preys on us when we are outside the safety of the sheepfold.
It's not about "Do X or else". The Church is not a social club of saints, but a hospital for sinners. The Good Physician is here in our midst. We deprive ourselves of good medicine, of spiritual nourishment, when we cease to partake of the many good things which God has given and provided for us.
-CryptoLutheran