Expertpay takes maybe 1 -2 minutes, no more than 5, to initially set up your account. Like I said before, as little as 30 seconds each pay period to log in and initiate payment and another 30 seconds recording the payment inside QB payroll. There are never forms to file. And that is electronic payment.
What you have to consider is that a wage garnishment as a deduction is equivalent to a retirement program deduction - something else you will not find being able to perform directly from within QB payroll. These are not taxes. Thus not included in Full Service payroll (only Full Service electronically submits payroll taxes without user intervention)