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.
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.
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