what finally happens to Tom Walker

It is too late for redemption for Tom. When a poor land-jobber visits Tom and asks him to please give him more time to pay off his loan before foreclosing his mortgage, Tom refuses. The man says that Tom has made so much money off him already, and when Tom says "the devil take me if I have made a farthing!" a black man on a black horse knocks on his door, come to take him away. Tom Walker is gone for good, and when trustees go to claim his assets, they find that all his possessions—including his house—have gone up in flames.