Lucy normally loves planning for the holidays, but this year, Tinker's Cove has fallen on hard times. With so many residents struggling, Christmas festivities are a luxury some can't afford. But the story's not so bleak at Downeast Mortgage, whose tightfisted owners, Jake Marlowe and Ben Scribner, are raking in profits from everyone's misfortune. Half the town is in their debt, so when the miserly Marlowe is murdered, the mourners are few and the suspects are many. Scribner believes Marlowe's ghost has come to warn him of his own demise, and when he starts receiving death threats, Lucy wonders if there's more to the omen than the ravings of a bitter old pinchpenny. Can Lucy solve the case and deck the halls before the killer strikes again?