Mash up cream cheese, so it's very soft. Add can of chili, Southwestern seasoning, and mashed garlic clove. Add shredded cheese and combine well. Spray a baking dish and add mixture. Heat in 350 degree oven until bubbly, about 20 - 30 minutes. When you take out of oven, you may add chopped black olive, chopped tomatoes, and chopped onions. Serve with tortilla chips.