Yesterday it was revealed that the actress, who plays Carmel McQueen in Hollyoaks, was declared bankrupt as a result of a "legal loophole".
Merna told the Daily Mail that she is unsure whether she and husband Ian Minton will stay in their home following the "traumatic" ordeal.
The star, who also lost her father and grandfather earlier this year, said: "It's been the icing on the cake for a terrible year for me. I can't wait for this year to be over with everything I've had to go through."
The 28-year-old said that she and Minton ordered artificial lawn company NoMow to lay turf for their custom-built property three years ago. The couple ordered the lawn for £5,000 and were offered a £300 discount for a photograph testimonial from the soap star.
However, Merna said that they returned from holiday to find the garden waterlogged and were given an additional £650 bill by the company. Legal action followed when Merna and Minton disputed the bill, which resulted in a bankruptcy order. However, Merna claimed that the couple settled the bill and fees and thought the situation was resolved.
Merna said: "We'd paid all the legal fees and been to court, but then they sent debt collectors round with a picture of me. They were big guys and it was an intimidating situation.
"What was supposed to be an easy, simple dream garden has turned into £10,000 worth of rubbish.
"We did this for our dogs and now they can't even go outside. It's dirty, disgusting and has become an absolute nightmare.
"It's been traumatic, the garden is still flooded and half our house is ruined now. It's completely tarnished my dream home. We can't say at this time whether we will stay or not."
Merna added: "I'm devastated. I feel I've been targeted because I'm in the public eye. They see someone off the TV and think I have all the money in the world to pay them.
"Whether you're famous or you work in a shop, you shouldn't be put in a position where people take advantage of you."
Merna also thanked her Hollyoaks co-stars and production team for supporting her through the dispute.
NoMow managing director Michael Tittershill said: "The court decided that she owed us money. She refused to pay the money.
"So we took her to court again for the initial sum and for our legal costs and again the court granted on our side. She refused to pay.
"So then we took her to court a third time and the court again ruled in our favour and ordered her to pay. She again refused.
"She was then given a court date for bankruptcy and she didn't turn up."
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