Sauté onion and garlic in the tablespoon of oil until softened. Add the meat and salt and pepper. Cook until the meat is browned, making sure to break up and crumble well.
Add the taco seasoning, beans and salsa, mixing to combine.
Make a layer of broken tortilla chips on the bottom of a 9×13 baking dish. Use an 8x12 dish for thicker slices.
Spread half the meat mixture over the chips. Put another layer of chips and then the rest of the meat. Finish with a layer of cheese on top.
Bake, uncovered, for about 20 minutes, until warmed through and cheese is melted.
Serve with your favorite taco toppings.