Jacob Marley had the same face. He has a pig-tail, wears a waistcoat, tights and boots. He is covered in chains which he says are the one that he made in his lifetime. He is holding a treasure box of some sort as well. The chains represent the bonds that he forged with his own hands with money.
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Jacob Marley is described as a ghostly figure in Charles Dickens' "A Christmas Carol," wearing heavy chains and a handkerchief tied around his head. His appearance is meant to evoke a sense of haunting and foreboding, symbolizing his torment and regret in the afterlife.