The Citizens Advice Service in Dumfries and Galloway says it has seen a sharp rise in the number of people needing its help.
It believes it is due to people's fears about the welfare reforms being introduced by the government.
The Service says those changes have already "thrown thousands of vulnerable people into poverty" and it is struggling to cope with the increase in demand for its advice.
There is particular concern about the so-called "Bedroom Tax" which will come into force in April.
People in social rented housing, who are of working age, will lose an average of £14 peer week if they have a bedroom that is not being used.
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