Tender can be made only to the creditor,1 or to one of two or more joint creditors,2 his duly authorized agent,3 or his personal representatives. Tender of a debt due to a building and loan association made to the local secretary is sufficient.4 So a tender may be made to the attorney at law in whose hands the claim has been placed for collection.5 So a tender made after a bona fide attempt to find the creditor, to the creditor's son who is authorized to reject the tender unless a receipt in full of all demands is also given by the debtor, is sufficient.6 If tender is made to a stranger it is without legal effect- So a tender to an agent not authorized to receive payment is without legal effect.7 So is a tender made to executors named in a will not yet probated.8