Meek New York bank president Cosmo Topper is hauled into divorce court by his wife Clara, who accuses her husband of adultery.  In court, Topper explains how he met the "other woman," the ghost of Marion Kerby, after she and her husband George were killed in an auto accident.  The judge throws the case out of court and Clara is coached by her troublemaking friend, Mrs. Parkhurst, to sail to France and get a divorce.

Meanwhile, Marion, learning of her old friend Toppy's troubles, comes back to earth and forces the mild-mannered Topper to follow and fight for his home.  They arrive at the Riviera to find Clara being courted by the fortune hunting Baron de Rossi.  Weird occurrences on the Riviera abound when Topper and Marion are forced to lodge in the same tiny room and Marion decides to win a bundle of money at the casino.

The Baron loses his suavity as Marion resolves to remove him from Clara's life, and after a series of comic incidents, her campaign succeeds and the muddled Toppers are reconciled.