laurie's colorado chili

Ingredients

• 2 pounds hamburger
• 3 tablespoons garlic, chopped
• 1 small bell pepper, finely chopped
• 1 small white onion, finely chopped
• 1 package mccormick taco seasoning mix
• 1 can red kidney beans, drained
• 1 can tomatoes, canned and chopped, with liquid
• 2 cans water, as needed
• 1 tablespoon salt and pepper
• 1 bag fritos
• 1 bag cheese, shredded