Allen Karroll has hated Christmas ever since his ex-girlfriend humiliated him in front of thousands of people one Christmas; this is a hindrance for someone who writes greeting cards for a living. He also hates the man who lives across the street, Zeb Rosecog, who seems to delight in tormenting him and also happens to be the former CEO of his greeting-card company. One day, Karroll is visited by the ghost of Jacob Marley (related to Bob Marley), as well as the ghosts of Christmas Present, Past and Future (in that order) who have all come to the wrong address: they had actually meant to visit Rosecog. During this experience, Karroll learns a lot about himself as well as Rosecog, discovers that he and Rosecog have a lot in common, and decides to help Rosecog see the light and rediscover the joy of Christmas.
