In a large soup pot or Dutch oven over medium heat, brown the meat with the onions until fully cooked.
1 pound lean ground beef, 1 medium onion,
Add all of the spices and seasonings, chopped bell pepper, and garlic, and stir well to combine.
1 teaspoon chili powder, 1 teaspoon ground cumin, 1 teaspoon kosher salt, 1/2 teaspoon dried oregano, 1/2 teaspoon smoked paprika, 1/4 teaspoon black pepper, 1 red bell pepper ,, 4 cloves garlic,
Sprinkle the flour over the ground beef mixture and stir to combine, then continue to cook over medium heat, stirring constantly, for 2-3 minutes.
1/4 cup all-purpose flour
Stir in the kidney beans, black beans, green chilies, salsa, enchilada sauce, chicken broth, and 1 cup of water (additional water may be added later to thin soup to desired consistency). Bring to a boil, then reduce heat and simmer for 10 to 15 minutes, stirring occasionally, until slightly thickened.
1 (15-ounce) can kidney beans,, 1 (15-ounce) can black beans,, 1 (4-ounce) can mild diced green chilies, 1 cup salsa, 1 (10-ounce) can mild enchilada sauce, 6 cups chicken broth, 1-2 cups water
Over low heat, stir in the cubed, softened cream cheese until completely melted.
4 ounces reduced-fat cream cheese,
Remove the soup from the heat, then stir in the cheddar and Pepper Jack cheeses until melted. Add additional water to thin the soup, if desired.
1 cup freshly grated sharp cheddar cheese, 1 cup freshly grated Pepper Jack cheese
Serve with any or all additional garnishes, although I almost never skip the diced tomatoes, onions, and cilantro, which add a great texture and flavor to the soup.
Avocado,, Cilantro,, Green or red onions,, Lime,, Sour cream or Mexican crema, Tomatoes,, Tortilla chips, Additional shredded cheese