Do you actually see the ghost image of a star suspended just outside a black hole forever?

No, because just as the surface of the star passes across the horizon, it emits its last photons of light that can escape.

In your frame of reference from millions of miles away...or light years..., you see the star collapse, slow down, and rapidly fade to black after only a few hours of collapse. The radiation is redshifted to infinity and the flow of radiation exponentially diminishes to zero after only a few hours from the start of the collapse.

You never see a ghost image at all.