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"The hardest thing is to try to tackle it without telling anyone, without any support." Carrie Smith, a small-business accountant in Dallas, said initially she was embarrassed to tell others about the ,000 in debt she carried."I would think, 'What kind of accountant am I that my finances are so messed up?America's Protestant work ethic culture means that much of our identity is tied up in how we're doing financially, Compeau says, so not being able to provide for your family or pay the bills can cause feelings of embarrassment and shame.Compeau recently saw that firsthand, when he conducted in-depth interviews for a research project with consumers who had suffered major debt problems.Credit counselors say that perception is what prevents many of their clients from seeking help sooner. boxes or to a different address, and they may not take steps to fix the problem because they're working so hard trying to keep up appearances.Not only are they unwilling to talk about their debt with strangers, a growing number are hiding financial problems from their spouses, family members and friends, says Michael Mc Auliffe, president of Family Credit Management, a Chicago-based nonprofit consumer credit counseling agency. "Clients would tell us they were spending 0 to go out on a Saturday night because they didn't want to tell their friends what was going on," Mc Auliffe says.Their greater openness may be because younger Americans grew up with texting, blogging, social media and other tools that encourage users to provide a certain amount of personal information, so they're more comfortable with topics once considered private, Solomon said."In my experience, young people today will discuss anything," he said. The concept of privacy as I know it as a baby boomer, the notion that there is a private self and a core of information that's not disclosed, really doesn't exist anymore." In addition, Solomon notes, many Americans age 18 to 24 have never known what it's like to not be in debt, and most of their peers are also in debt.

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"To them, having credit card debt is just status quo," Solomon says.The telephone poll included a representative sample of 1,005 American adults (see poll methodology), and had a margin of error of plus or minus 3 percentage points.Participants were asked, "how likely you would be to talk openly to someone you've just met about this topic? They were asked to say whether they were very likely, somewhat likely, somewhat unlikely, or very unlikely to discuss a topic.Combining the "somewhat unlikely" and "very unlikely" responses, these are most-taboo topics: Debt perceived as personal failure Larry Compeau, professor of consumer behavior at Clarkson University in Potsdam, N.Y., said he's not surprised that several of the most-unmentionable topics relate to money.

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