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Simmer the beans, half the onions, and half the garlic for 2 hours in the chicken stock or until the beans soften, stirring frequently. Add the chicken and salsa.
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Saute the peppers, spices, and the remaining onions and garlic in the oil and add to the chili.
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Simmer for one more hour and serve it up.
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Garnish with sour cream, Monterrey Jack cheese and fresh chopped cilantro.