Confessions of a Pirate Ghost by Jo-Ann Carson

Everyone has secrets.

Escaping the clutches of a mobster, art forger Harley Davis dives off a yacht in the middle of the night and swims ashore to Sunset Cove, a small town in the Pacific Northwest, where the only light she sees comes from inside a haunted teahouse. Soaking wet and shaking, she pauses at the door. No one in their right mind would enter such a creepy place, but she has no choice. She needs to hide.

Pirate ghost, Three-Sheets, enjoys his extended life on earth, gambling and flirting with the ladies, but when he meets Harley, he discovers he wants more out of death than a good gambling hand.
As the charming Three Sheets woos Harley, her former boss puts a contract on her head. What do you get when you mix a saucy thief, a pirate ghost and an angry godfather? Another fun, Gambling Ghost story.