Cook meat, onion, and garlic till meat is brown. Drain. Stir in beans. Arrange half of the chips on each of two 12-inch ovenproof platters. Later half of the meat-bean mixture, olives, chili peppers, and cheese on each platter. Bake in a 350 oven for 5-7 minutes or till cheese melts. Serve with avocado dip, dairy sour cream, and salsa, if desired.