I had to smile about some of the other posters. Ladies, let's not scare anyone any more than they already are! Please *DO NOT* tell your daughter that you are worried about ghosts - that will only freak her out.
I agree with the earlier poster - play some soothing music, get a good night light, and sleep for a couple nights with your daughter. The paper rubbing on something also sounds like the mice in our walls. I would check into that.
Another thing that I would highly recommend is enrolling your daughter in a very physically demanding after school activity. I believe someone suggested Tae Kwon Do, but it could be anything that she's interested in. If she's physically tired, she will be less prone to lay in bed and worry. Exercise is also one of the best ways of dealing with anxiety. If you have the option, I truly believe in horse back riding for girls. Horseback riding (not trail riding, but riding in an English saddle) requires LOTS of muscle and skill - it is physically demanding in a way that you wouldn't expect. I rode as a child, and I would be sore for days after each lesson. In addition, the feeling of power from being able to control a huge animal with tiny movements is incredible. It also allows girls to take responsibility for another living thing, work hard, and be outside - all important. Those feelings of power and control may be important for her.
What you described sounds a lot like an anxiety attack. Can you teach her some skills for dealing with anxiety - meditation, relaxation, breathing exercises, positive visualization? I also agree with the previous poster who mentioned that you should definitely let her know that you believe her and that you will be with her through her fear. Her fear will only increase if you tell her that she has to face it alone.
Good luck.