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Pay In Pennies?

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unholyroller's Avatar
United States
1903 Posts
 Posted 06/04/2012  09:04 am  Show Profile   Bookmark this reply Add unholyroller to your friends list Get a Link to this Reply
I know it is out there in statute form...as I have read it before. There is specific federal law that states no one is REQUIRED to accept a bunch of coins to pay a debt. Pennies are legal tender, but it is the privaledge of the person owed as to whether they want to accept that form of payment or not.
Valued Member
United States
259 Posts
 Posted 06/04/2012  09:21 am  Show Profile   Bookmark this reply Add chasinva69 to your friends list Get a Link to this Reply
Posted Yesterday 10:46 am
--------------------------------------------------------------------------------



Quote:
I've been in retail for over 12 years. Anyone wanting to make a scene by paying in cents to make a point only punishes the poor employee that has to count it. It serves no purpose. I've turned down someone that wanted to pay $20 worth of cents because I just didn't have anywhere to put it.

Not illegal and we can turn down Any form of payment we'd like. "Legal Tender" doesn't mean I'm required to take it


basically correct. While you do have to accept U.S. currency in payment for a transaction, the payer doesn't get to chose the denominations. Perfectly legal to refuse bills that are too big, or refuse pennies for larger transactions.

I've seen court cases where county clerks were upheld in their refusal to accept unrolled pennies in payment for traffic tickets, taxes, assessments etc.
Edited by chasinva69
06/04/2012 10:10 am
Bedrock of the Community
United States
20753 Posts
 Posted 06/04/2012  10:03 am  Show Profile   Bookmark this reply Add just carl to your friends list Get a Link to this Reply

Quote:
Is it legal to pay for something in a mass quantity of pennies to tick someone off? Sure.

Is it right to do so? Not unless you are OK with being a jerk.

Completely true.
I wonder what would happen if some nut paid a car parking, speeding ticket, etc. in traffic courts with pennies.
Lots of law enforcement people watching you after that.
I wonder what would happen if you paid state or federal taxes in pennies. Could be a great excuse for many audits.
If you paid a restaurant in pennies, I would strongly suggest not eating there again. Of course if you like spit in your food, continue doing that.
Not sure why but there are people out there that just look for problems.
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bobby131313's Avatar
United States
24147 Posts
 Posted 06/04/2012  10:19 am  Show Profile   Bookmark this reply Add bobby131313 to your friends list Get a Link to this Reply
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basebal21's Avatar
13014 Posts
 Posted 06/04/2012  3:32 pm  Show Profile   Bookmark this reply Add basebal21 to your friends list Get a Link to this Reply

Quote:
Completely true.
I wonder what would happen if some nut paid a car parking, speeding ticket, etc. in traffic courts with pennies.
Lots of law enforcement people watching you after that.
I wonder what would happen if you paid state or federal taxes in pennies. Could be a great excuse for many audits.
If you paid a restaurant in pennies, I would strongly suggest not eating there again. Of course if you like spit in your food, continue doing that.
Not sure why but there are people out there that just look for problems.


Very true about the restaurants.

If you tried it for a ticket or taxes Id imagine you would be turned away and possible given a ticket for a public disturbance or something of that nature depending on how you reacted.
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MercuryDime's Avatar
Canada
262 Posts
 Posted 06/04/2012  6:43 pm  Show Profile   Bookmark this reply Add MercuryDime to your friends list Get a Link to this Reply
Depends on the country, in Canada "A payment in coins ... is a legal tender for no more than ... 25 cents if the denomination is one cent."[13]
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Conder101's Avatar
United States
17884 Posts
 Posted 06/04/2012  7:03 pm  Show Profile   Bookmark this reply Add Conder101 to your friends list Get a Link to this Reply

Quote:
You offer to pay your debt in pennies. The debtee refuses your payment and requests an alternative form of payment. If you claim you have no alternative form of payment and insist the debtee accepts it, the debtee either (1) accepts it with great reluctance or (2) calls the cops to try to force you to be reasonable. But if you end up getting taken to court for failure to pay your debt and the judge finds you did indeed offer to pay in legal tender (pennies), you can't be found guilty.

This is correct. What you have done in the eyes of the law is to make a LEGAL attempt to settle your obligation (debt). Now the person does not have to accept the coins, and his refusal does not negate your obligation (A lot of people mistakenly think that it does.). You do still have to pay the debt and the two of you need to settle on an agreeable tender. What the legal attempt to pay does do is protects you from late payment fees or penalties for non payment etc because you DID attempt to pay with a LEGAL form of payment. In other words they can't claim you are late in paying or have not paid because you DID try to make payment. I don't know if it would protect against a lien placement or not. It might.

Part of the confusion is because the term "legal tender" has a different meaning than it did in the early days of out country. Until sometime in the early to mid 20th century the term meant a tender which MUST be accepted by law. Then the meaning changed to a legally recognized tender that MAY be accepted.
Edited by Conder101
06/04/2012 7:09 pm
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trout1105's Avatar
Australia
7096 Posts
 Posted 06/04/2012  7:18 pm  Show Profile   Bookmark this reply Add trout1105 to your friends list Get a Link to this Reply

Quote:
You offer to pay your debt in pennies. The debtee refuses your payment and requests an alternative form of payment. If you claim you have no alternative form of payment and insist the debtee accepts it, the debtee either (1) accepts it with great reluctance or (2) calls the cops to try to force you to be reasonable. But if you end up getting taken to court for failure to pay your debt and the judge finds you did indeed offer to pay in legal tender (pennies), you can't be found guilty

IMHO this would be a sneaky/dishonest attempt at trying to dishonour a debt.
If this happened to me I would accept the payment with the proviso that the charges for shipping the coins to the bank and the associated fees to count the coins and transfer the money to my account would be borne by the person paying the bill.
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nod2003's Avatar
United States
3294 Posts
 Posted 06/04/2012  8:18 pm  Show Profile   Bookmark this reply Add nod2003 to your friends list Get a Link to this Reply
Why not also add the proviso that the customer has to foot the bill if they pay via a credit card?
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trout1105's Avatar
Australia
7096 Posts
 Posted 06/04/2012  8:26 pm  Show Profile   Bookmark this reply Add trout1105 to your friends list Get a Link to this Reply

Quote:
Why not also add the proviso that the customer has to foot the bill if they pay via a credit card?


The reason I would give anyone a hard time for paying a large debt with pennies is that they are just being a smart butt by doing this and a bit of retaliation would be perfectly in order
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ghostrider's Avatar
United States
1116 Posts
 Posted 06/04/2012  10:14 pm  Show Profile   Bookmark this reply Add ghostrider to your friends list Get a Link to this Reply

Quote:
I know it is out there in statute form...as I have read it before. There is specific federal law that states no one is REQUIRED to accept a bunch of coins to pay a debt. Pennies are legal tender, but it is the privaledge of the person owed as to whether they want to accept that form of payment or not.


I seem to recall from college days that in the State of Illinois there is a state statue that does limit the number or amount of pennies a person can use to pay a debt. Whether this was a state statue or local ordinance I don't recall, but the limit that pizza parlors would take in a college town was $5 in pennies.

I know that in the State of Ohio you can't pay a traffic ticket in pennies. A friend of mine who was a Columbus cop says that someone tried to do just that and was turned away. He later came back into the police station wearing his revolvers. That he could do as he also went into the police stations cafeteria to eat his lunch. The particular watch commander said that he could do that, but was followed around by a few cops just to make sure that there was no trouble.

This story was related to me by a cop who was there. I've never seen anything in the press about this but this supposedly happened over 15 years ago.
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Nickelman's Avatar
United States
1397 Posts
 Posted 07/19/2012  01:21 am  Show Profile   Bookmark this reply Add Nickelman to your friends list Get a Link to this Reply
I'll tell you my story and if it makes me a jerk I suppose I can live with that.

One late night I went through the drive through at McDonalds and ordered some food. I was short of cash so I brought along rolled nickels to pay for it. When I got to the window I handed the girl 4 rolls to which she says, I'm sorry we don't accept rolled coin. I thought maybe she was just kidding so I asked her if she was serious. Yes, she says, it's their policy.

So I opened up the 4 rolls and counted out the change to her as slowly as I could. By the time I was done the drive through was backed up around the corner.
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Fuzzy317's Avatar
United States
14463 Posts
 Posted 07/19/2012  01:29 am  Show Profile   Bookmark this reply Add Fuzzy317 to your friends list Get a Link to this Reply
the people in line behind you probably thought you a jerk, but I think its funny.
Quote:
Don't accept rolled coins?
then here you go, 5 cents, 10 cents, .... 2 dollars and 45 cents
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basebal21's Avatar
13014 Posts
 Posted 07/19/2012  01:42 am  Show Profile   Bookmark this reply Add basebal21 to your friends list Get a Link to this Reply

Quote:
I'll tell you my story and if it makes me a jerk I suppose I can live with that.

One late night I went through the drive through at McDonalds and ordered some food. I was short of cash so I brought along rolled nickels to pay for it. When I got to the window I handed the girl 4 rolls to which she says, I'm sorry we don't accept rolled coin. I thought maybe she was just kidding so I asked her if she was serious. Yes, she says, it's their policy.

So I opened up the 4 rolls and counted out the change to her as slowly as I could. By the time I was done the drive through was backed up around the corner.


Thats not that bad. It was nickels at least and you had them rolled just had to be unrolled by their policy and you were short on cash. Even though its a pain nickles can still be counted pretty fast unlike pennies
Bedrock of the Community
United States
20753 Posts
 Posted 07/19/2012  09:36 am  Show Profile   Bookmark this reply Add just carl to your friends list Get a Link to this Reply

Quote:
Politely I have to ask what kind of a pain in the bum would pay for anything over $1 in pennies? I have seen youtube and dont find it funny. If I was the owner of a business and someone tried it I would take it but ensure the person paying had to wait whilst it was all slowly counted out.

I wouldn't have said that politely thing. And I would have said something worse than pain in the bun too.
But since this is a family forum, your statement will be OK for now.
And as I mentioned before, why look for trouble? I know if I paid for anything at our local village hall in pennies, I'd probably have tickets on my cars every day. Village inspectors would be all over my house. Yes they would take them, but why look for problems.
Contrary to paying with pennies, I love the women in line at a store that pull out a check to pay for something. And nothing premade out, all must be entered now. And sometimes for only a few dollars.
Edited by just carl
07/19/2012 09:44 am
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