If he takes my last check I will be able to cover my usual living expenses and take care of my three children I would much prefer to keep making him the biweekly payments but they're wanting the whole check how do I stop this legally?
Your employer can not take your last check, despite any loan agreement. They maybe violating not only civil law but also criminal law. No one can legally take any more than %25 of a pay check in a wage garnishment. These laws prevent folks with children from being paid nothing at the end of their work.
Call an experienced wage and hour attorney immediately. Your employer may actually owe you money in wage violations.
This answer is a general interpretation of the law and is not fact specific to your case. Likewise it does not create an attorney-client relationship. You should seek an attorney for a review of your specific facts and documents.
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