Tom walker and his wife don't get along very well. There very poor and live in the middle of the woods with a horse. They were so miserly that they conspired to cheat each other.
Tom is taking what he calls a short cut home, when he finds himself at a Indian reservation. He notices a skull below his feet. Then old scratch appears who tries to make a deal with him. "for your soul ill with give you a chest of treasure". Tom refuses.
Tom has just arrived home, he's gonna tell his wife about the deal he has come across. she's upset with Tom because he didn't accept the deal. she tries to take the deal herself. Day's went by and she's nowhere to be found.
Tom decides to meet up with old scratch to finalize the deal! old scratch tells Tom he has to be a usurer!
Tom walker is meeting with a person who has borrowed money. The borrower says they can't pay him back and he thinks that Tom is taking advantage of him. Tom says if he's taking advantage of him let the devil take him now.