[lolinder]

This is not an accurate reading of the code. Snopes quotes an FAQ on the US Treasury site (now missing, but presumably still correct) [0]:

> Q: I thought that United States currency was legal tender for all debts. Some businesses or governmental agencies say that they will only accept checks, money orders or credit cards as payment, and others will only accept currency notes in denominations of $20 or smaller. Isn't this illegal?

> A: The pertinent portion of law that applies to your question is the Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled "Legal tender," which states: "United States coins and currency (including Federal reserve notes and circulating notes of Federal reserve banks and national banks) are legal tender for all debts, public charges, taxes, and dues."

> This statute means that all United States money as identified above are a valid and legal offer of payment for debts when tendered to a creditor. There is, however, no Federal statute mandating that a private business, a person or an organization must accept currency or coins as for payment for goods and/or services. Private businesses are free to develop their own policies on whether or not to accept cash unless there is a State law which says otherwise. For example, a bus line may prohibit payment of fares in pennies or dollar bills. In addition, movie theaters, convenience stores and gas stations may refuse to accept large denomination currency (usually notes above $20) as a matter of policy.

[0] https://www.snopes.com/fact-check/legal-tender-payment/

[Bjartr]

I specifically said "incurred a ... debt" and "without prior... agreement". As your source says

> In short, when a debt has been incurred by one party to another, and the parties have agreed that cash is to be the medium of exchange, then legal tender must be accepted if it is proffered in satisfaction of that debt.

You are correct that if cash is not accepted at all, or if payment is to happen ahead of the exchange of goods or services, you are not obligated to accept arbitrary cash.

And I never claimed otherwise

[lolinder]

No, your claim is backwards—if the parties have agreed that dimes are valid payment of debt then that agreement must be upheld. Absent a prior agreement to accept dimes, the party receiving the money may refuse any combination of currency that they see fit.

In other words, an agreement isn't required in order to refuse legal tender, an agreement would be required to make it mandatory.

A court might decide that an agreement to accept cash without specifying in what form was meant to include dimes, but I see no evidence anywhere that a court has to rule that way if the contextual evidence suggests something else was probably meant.

[amenhotep]

"legal tender" is a term of art that specifically means a creditor must accept it, and your big quote clearly supported this, discussing only the common misconception that legal tender means it can't be refused in an offer to purchase. You are arguing backwards yourself.

[gamblor956]

No you're still wrong.

The law says that coinage is valid legal tender for an offer to settle a debt but the counterparty is not required to accept it... unless they contractually agreed to do so.

Only the U.S. government is required to accept payment in coins. Many states also require their agencies to accept payment in coinage but some have laws limiting the size of debts that can be paid this way.

https://www.federalreserve.gov/faqs/currency_12772.htm

[amenhotep]

That link is, again, about the difference between offers to purchase and offers to settle debts.

Think logically about this. What do you think legal tender even means otherwise? Why would you need a special term to denote a form of payment that a creditor can accept if they want to? I could accept settlement in jelly beans if I wanted to. The entire point is that you must accept legal tender, that is what makes it different from everything else.