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1. Add the onions, green peppers and garlic to a large sauté pan and sauté in vegetable oil until crisp tender.
2. Add the next 8 ingredients, mix well, and simmer for 20 to 25 minutes.
3. Add the cream cheese to a large mixing bowl with 1 cup of the hot liquid from the sauté pan.
4. Mix until it melts slightly and add the mixture back into the sauté pan.
5. Simmer on low for another 10 minutes.
6. Serve with tortilla chips and grated Monterey jack cheese.
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