Charlotte was born in Kings Mountain, North Carolina, but moved to the West Coast of Florida when she was eight years old. She learned to read at age three and always had her nose in a book. It was inevitable that some day she would write one.
Charlotte enjoyed the experience of growing up with her five brothers and sisters in a small beach community where she played clarinet in the school band, earned her varsity letter on the tennis team, and was editor of her high school newspaper.
After high school graduation, she earned her B.S. degree in English from the University of North Carolina at Chapel Hill. While still in college, she married her high school sweetheart, also a student at UNC, and they moved into married student housing. During their college summers, they worked as lookouts for the U.S. Forest Service in Northwest Montana, a setting Charlotte has used for her books.
Charlotte taught middle school English, speech, and drama for 14 years, and taught college English for three years at St. Petersburg Junior College. She also worked for eight years as a church musician, directing both adult and children's choirs, and handbell choirs. She loves both teaching and music, but always had the dream of writing books of her own.
That dream was fulfilled in 1991 when her first book, Secrets in the Shadows, was published under the pseudonym Marina Malcolm. She has used her own name on all of her subsequent books. Most of her books are a mix of danger, romance, and suspense. In 1995 her first book for Harlequin was released, an American Romance, It's About Time.
Today Charlotte lives with her husband, Bill, and their two cairn terriers, Dandi and MacArthur, on Florida's West Coast, just a few miles from the town where she grew up. Her husband is the executive director of the National Armed Services and Law Enforcement Museum. Their favorite pastime is planning the summer home they will build on eight wooded acres of a mountain that overlooks the Blue Ridge Parkway in Western North Carolina.