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preheat oven to 350-degrees
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spray a 9 x 13 casserole dish with oil
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heat canola oil in a skillet
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add ground beef, chili powder, cumin, oregano and salt & pepper
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brown beef, breaking it up
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add the onion and garlic and saute for 5 minutes
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add the beans, and salsa and stir until thick
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lay half the chips on the bottom of the casserole dish
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cover with half the meat/bean mixture and then half the cheese
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add the rest of the chips, topped with the meat/bean mixture and then the rest of the cheese
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bake until hot and the cheese melts, about 20 minutes
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serve with sour cream, shredded lettuce, chopped tomato and diced avocado