It's unlikely that your transaction would, on its own, cause the IRS to audit you. The bank would report the transfers to the Treasury Department (not directly to the IRS); since, presumably, you deposited the money back into the account you've had with the same bank for a number of years, that deposit is not likely to be considered the sort of suspicious transaction that raises red flags. In fact, since the deposit into your wife's account would have been reported to the Treasury Department, the fact that it didn't raise an audit for her should give you some comfort that this new deposit probably won't trigger an audit for you.
In terms of a paper trail you might want to preserve, just keep the account statements from your account showing the original withdrawal in check form, copies of the cashed check (if you can find it), the account statements from your wife's account showing the deposit of the funds into her account, and then copies of her account statements and your account statements showing this latest withdrawal from her account and deposit into your account.
With all due respect, depending on why and how you settled with your creditors, I would be more concerned about the round-robin movement of the cash from your wife, back to you being treated as a fraudulent transfer in order to avoid the claims of your creditors.
My answer does not constitute legal advice and may not be relied upon by anyone for any purpose and does not constitute an attorney/client relationship or an offer to form such a relationship. This disclaimer is intended to be fully compliant with the requirements of Treasury Department Circular 230 and the terms thereof are fully incorporated by reference. If you wish to consult with me please contact me at dana@nytaxcounsel or visit my website at www.nytaxcounsel.com
Schedule an appointment with a CPA and a tax lawyer. Bring all the paperwork with you.
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Relax. First of all, it isn't strange that you accumulated 30k in savings unless you haven't worked for the last 10 years. You are talking about cash transactions. If you went and dumped 30k in cash into the bank, they might ask questions. But it isn't because you have 30k. It is because you are carrying around more than 10k in cash, and that makes them question the source of the proceeds. Not many people keep their 30k in savings as a "wad" of cash under the mattress. This makes them suspicious. But having 30k accumulated in a bank account over time does not make you look like you are a drug dealer in the way having 30k in cash does.
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