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Rather, they are the custom of the time and age. In many cases the secular law may have the same effect as a minhag, and may be used even if Dina D'malchusa Dina ( explained below) doesn't apply. If business is done in the United States, there is a strong argument that that means that the parties automatically follow the secular laws and this means the bankruptcy discharge law is included...
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Secular law is also followed, if the parties use secular lawyers, therefore intending to follow secular law.
Dina D'malchusah Dina, the law of the land is the law, implies that in monetary matters ? matters that directly affect the government's financial interests, the secular law is halachically fine to follow , except for in laws by secular Israeli government...
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