If they don't, it could ultimately mean the loss of a house or tenancy, or facing court action over debts, Legal Aid civil solicitor Jessica Allan says.

Legal Aid lawyers in the city are preparing for a possible increase in debt and accommodation issues when the wage subsidy and the $150 per fortnight supplement wind up at the end of the month.

In December, more than 550 organisations in the 2830 postcode still had JobKeeper applications processed, the latest Australian Taxation Office (ATO) figures, published by Treasury, show.

JobSeeker rates will rise by $50 per fortnight compared to pre-pandemic levels, but will be substantially less than those paid since April last year.

Ms Allan said she thought the changes were going to affect a large part of the Dubbo community.

"It's probably going to mean that a lot of people who have always worked and haven't had financial problems necessarily may now find themselves in financial trouble, if for example as a result of JobKeeper ending they lose their job," she said.

"So we don't want people to find themselves in financial hardship and not know what to do or to put their head in the sand.

"Equally, if they've got problems paying their rent, paying their mortgage, or if they're just not sure for example if they've lost their job, whether they've been paid the right entitlements, those are all things that are potentially going to be an issue for people in the coming months.

"We really want people to seek help and seek help early, that's really what the message is that we're trying to get out."

Ms Allan said the flow-on effects could be significant.

"It can mean losing your house, it can mean losing your tenancy, it can mean court action to recover debts, so we don't want things to get that bad, we want people to ask for help," she said.

In the solicitor's experience people did not always act as soon as possible.

"They're the type of problems people sort of try to avoid, I think, it gives you that horrible feeling in the pit of your stomach," she said.

"We find that people tend to just not answer the calls rather than actively deal with the problem, and the longer you leave these problems the worse they get."

Ms Allan wants people in financial hardship to know there are a variety of different options available to them.

"Lawyers and financial counsellors can help negotiate payment plans with financial institutions or negotiate with landlord on behalf of tenants," she said.

"Where fines are causing financial stress, we may be able to have those debts deferred, waived or cleared through a Work and Development Order.

"Our message here is - if you find yourself in financial hardship, don't panic," she said.

"Seek advice, and seek it early."

JobKeeper will end on March 28 and three days later the Coronavirus Supplement cuts out.

Advice on financial hardship problems can be found at: