Tom and his wife are miserable people, they lived a sad life. They did not like eachother, they lived in a sterile home that couldnt produce any form of new life.
Tom is walking through swamp as a shortcut home.
Tom meets the devil and is offered a deal for money
Tom goes home and tells his wife about the deal he had offered him for money. When tom saw his wife was happy, he said she wouldnt do it.
Tom finds out that his wife went in to make a deal but the devil didnt want her soul so he killed her and left her heart and liver in the apron.
Tom was sitting at home working on mortgages for the work he had to do to get money from the devil and then he realized he also sold his soul and soon after the devil came and killed him and later burnt his house down, now tom walker haunts the swamp.