Here's the state law:
New York Wage Garnishment
The maximum amount recoverable is ten percent (10%) of gross income, or the federal maximum, whichever is less.
If the debtor is subject to garnishment for alimony, support or maintenance, the combined garnishments cannot exceed twenty-five percent (25%) of disposable earnings.
Income executions are prioritized by order of delivery to the Sheriff, but garnishments for alimony support or maintenance always take priority.
The execution is a two-stage process. First, the sheriff serves the execution on the debtor at his or her residence. If the debtor does not begin making payments within twenty (20) days, the sheriff levies on the employer
Start by speaking to your HR department at work. Find out exactly who's taking your wages, how, and why. They have to tell you.
Do you have an outstanding payday loan, or something like that? The reason I'm asking is that this doesn't sound like a proper garnishment. It sounds more like a wage assignment for a set amount, that just happens to be most of your check. Those are often associated with payday loans and illegal lenders. They're
voluntary, and you can revoke them at any time.
Go find out which it is, and get back to us. We'll help you through this.