Marley, who only appears in Stave 1 of A Christmas Carol, has died seven years prior to the setting of the story. We can assume that Marley was as tight and greedy as the character of Scrooge when they both worked together.
Dickens introduces the character of the ghost of Marley into the story to warn Scrooge of the consequences of his selfish life, for example how Marley says he is condemned to wander the world bound by chains, chains he says he forged in life (suggesting to Scrooge that he has a choice). In this quotation, we see Marley saying he built the chain during his life by focusing on gaining personal wealth and ignoring the needs of those whom he might have helped with his wealth. Now that he is dead the chains represent the burden of guilt that he must carry with him forever.
Character Profile: Jacob Marley.
In life, Jacob Marley was the business partner of Ebenezer Scrooge. Together, as the firm of Scrooge and Marley, they became successful yet hard-hearted bankers, with seats on the London Stock Exchange. Seven years to the day of his death, on a Christmas Eve, Marley’s ghost visits Scrooge. Bound in chains and a tormented, the ghost is doomed to wander the earth forever as punishment for his greed and selfishness when he was alive. Marley visits Scrooge to offer him redemption from his own fate, in the hope of changing his mean ways. He tells Scrooge that three spirits will visit that night.
Again the spectre raised a cry, and shook its chain and wrung its shadowy hands.
“You are fettered,” said Scrooge, trembling. “Tell me why?”
“I wear the chain I forged in life,” replied the Ghost. “I made it link by link, and yard by yard; I girded it on of my own free will, and of my own free will I wore it. Is its pattern strange to you?”
Scrooge trembled more and more.
“Or would you know,” pursued the Ghost, “the weight and length of the strong coil you bear yourself? It was full as heavy and as long as this, seven Christmas Eves ago. You have laboured on it, since. It is a ponderous chain!”
Scrooge glanced about him on the floor, in the expectation of finding himself surrounded by some fifty or sixty fathoms of iron cable: but he could see nothing.
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