i have been depositing with the non endorsement also. i make copies front and back of every check and write the check number on the back so the back and front correspond. i have never really known how to utilize this and i have read lots since the 1st article in 2006...
in january i go to the bank and have them print all deposits and a cover latter stating these are the deposits for year 20?? in account #123345 and have the name of a contact person and have it noterized at the bank. now, i have a 3rd party witness.
i believe in the 3 year rule also.... this is new and how the agency will respond is still unknown.
i have learned to never file joint... only married file separate. that way my bride is protected.
keep in mind taking deductions is a benefit.