Tom and his wife didn't get along they lived in a pity house and fought a lot they didn't have a pleasant lifestyle and didn't have money.
While Tom was walking through the woods his walker hits a skull on a box. Then Toms runs into a man and doesn't know who he is the man is very black and scary looking, the mans name is old scratch and he is the devil figure. Scratch tells tom about this treasure and offers him a deal of a lifetime.
Tom returns home to tell his wife about the deal, she wants tom to take the deal but he isn't sure. So she takes all the family's silver to go make the deal herself.
After Tom's wife goes to make the deal with the silver she disappears so Tom goes to look for her. When Tom gets to the swamp tom see his wife's apron with her remains in it but he never finds the silver.
Tom eventually makes the deal with the devil and he starts loaning money to people but actually is just taking advantage of them. Tom's start to feel guilty so he starts going to church.
Tom goes to foreclose a man from his house who owes him money the man is begging for more time and Tom say "May the devil take me if I have made a farthing. The devil comes and scoop tom up on his horse and rides Tom away and he never returns.