I believe the movie is from the early to mid-90s, probably a Lifetime movie. It starts with a little girl drowning in a creek. The mother is then haunted by the little girl, whose ghost ends up telling the mother that it was her father that killed her. She chokes the father to death with a locket at the end…
“Death Dreams”(1991 TV Movie)
http://www.imdb.com/title/tt0101691/
That is totally it, thank you!!
You can watch the full movie here:
Solved!