Tragedy strikes a mother and her little boy when their car rolls down a steep embankment and catches fire while upside down in a creek. Meanwhile, their carjacker disappears into the Pocono Mountains forest adjacent to the Mountain Woods Resort. Three-Zee Zook discovers the bodies and, with her best friend, Bambi Bamberger, goes searching for the carjacker after the ghosts of the woman and her son show up almost on their doorstep. Things get complicated when the woman's mob-connected husband and father arrive at the resort and immediately lock horns with one of the resort owners, a clone of Ebenezer Scrooge. Then there's the new girl in town, wrangler for the resort's new stable and small herd of riding horses. Both Three-Zee and Bambi can ride, but Three-Zee discovers that being dragged by a horse with her foot caught in a stirrup and her head bouncing along the ground can have some serious repercussions.