Start with browning the beef. To the meat add cumin, chili powder and garlic power. Cook until completely browned then drain the excess fat from the pan. Add to a bowl for serving.
In a bowl add the one can of chili with beans and 1/2 cup Colby Jack cheese. Place a paper towel or two over the top of the bowl then microwave for 3 minutes. Stir to combine and that is it for the chili cheese.
For the bags cut a vertical slit down the middle then a slit horizontally to the top and bottom then opened it up.
Right on the top add the chili cheese then the meat.
Chop up some lettuce, tomatoes, onions into small pieces. Set out some sour cream or guacamole and some more cheese.
Set this up bar style so that everyone can make their own and add what they like. Enjoy!