Brown meat in large skillet. Drain fat. Stir in milk and seasoning. Bring to boil. Reduce heat and simmer 2 minutes.
Put cream cheese in shallow baking dish in oven to soften.
Layer with beans, meat mixture, chillies.
Bake at 350 degrees for 10 minutes.
Add cheese and bake 5 more minutes or until until cooked through.
Serve with chips or on tortillas!