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Down-on-hisluckentrepreneurBillMartinandsidekickStuffOlivertrytostayonestepinfrontofcreditorsintheirseedywaterfrontofficewhentheymeetTheCaptain,anidiosyncraticpeg-leggedoldsailor.TheCaptainisconvincedthatthetreasureofpirateSirHenryMorganishiddensomewhereinacastleonanoffshoreislandrecentlyinheritedbyMartin.Hisproofisatreasuremap,halfofwhichhasbeenstolenbyamysteriousPhantomwholurksintheshadowswaitingforanopportunitytostealtheotherhalf.Sensingamoneymakingopportunity,Billtriestorecruitcustomerswillingtopay$50apieceforatreasurehuntoutingtothehauntedisland.AmongthosesigningupareheiressWendyCreightonandherbored,ineffectualboyfriend,adimwittedpolicesergeant,aprofessorwhoseexpertiseisoldmaps,awantedmurdererandhismoll,andBill'scousinGeorge,whohasrecentlyoffered$20,000tobuythesupposedlyworthlessisland.TheyallgetmorethanthefewgoosebumpstheybargainedforasdeathandthePhantomawaitthemintheghostlycastle.
