Carole Elzer is no Scrooge — she loves Christmas. But when she's visited by the ghost of her best friend and business partner, Marley, Carole learns she must make amends for something she hasn't done — otherwise, Marley warns, she'll spend the rest of her life in anguish and guilt.

She's guided on her voyage into Christmas Past, Present and Yet to Come by three sexy spirits, all of whom look just like her partner, Bob Crockett. Bob is still grieving for the wife he loved and lost years ago, but Carole nurses a guilty love for him.

As Carole explores her past, present and future with her handsome spirits, she realizes just how high the stakes are. Bob's young son Tim's life hangs in the balance. If she doesn't learn how to save the child, none of them will ever again know a merry Christmas — and she and Bob will have no future together.