Preheat oven to 350 degrees.
In a large pan or skillet, cook ground beef with onions and garlic until meat is browned. Stir often. Pour cooked meat into a colander in the sink and drain off all excess fat. Add meat mixture back to the pan.
Add taco seasoning, water, and mix well. Bring to a boil, turn the heat down to simmer, and cook for 5 minutes.
Place the tortilla chips evenly on a large ovenproof serving plate or baking sheet coated with a little cooking spray.
Top the chips with ground beef mixture. Sprinkle beans evenly over the meat. Next, spoon over beans the fire-roasted chilies, and then salsa. Sprinkle the cheese all over the top.
At this point, you can place it in the fridge until you’re ready to serve it.
When ready to serve, bake in preheated 350 degrees oven for 15 – 20 minutes until the cheese is melted and the nachos are hot.
Dollop with ranch dressing or sour cream and add a bit more salsa. If you really like food spicy, sprinkle a bit of Tabasco sauce over the top!
Serve at once.