Souls Dryft by Jayne Fresina
A struggling would-be writer who can't seem to get her life together, Grace avoids daily frustrations by disappearing into the pages of her book. There the characters she's created have become so real to her that she can no longer believe they're fictional. After all, she's lived with them since she was thirteen and one of them —a lusty, blue-eyed, accident-prone pirate— appears to have escaped into her world, set on causing trouble.
As true life begins to mimic the plot of her novel and the edge of reality blurs, Grace knows she can't live in both worlds forever. Sooner or later she'll have to face reality. If only she can figure out which is hers.