Lucy Stone normally loves the holidays, but this year, Tinker"s Cove has fallen on hard times. 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. Can Lucy solve the case and deck the halls before the killer strikes again?