Brown the ground beef, then drain the grease reserving about 2 tablespoons. Remove the beef from the pan.
To the reserved fat, add the onions and saute about 3 minutes.
Add the bell peppers and saute about 5 minutes.
Meanwhile, combine the chili powder, cumin, garlic powder, and oregano; set aside.
Open the cans of tomatoes and set aside.
Add the garlic and sauté about 1 minute.
To the sautéed vegetables add the seasoning mix; be careful not to burn the spices and stir constantly (this blooms the spices)
After about 1 minute of blooming the spices, add the tomatoes and Ro-tel making sure to scrape any spices from the bottom of the pan and incorporate into the tomatoes
Return the beef to the pot.
Add the beans.
Stir everything to combine.
Simmer 20 minutes, check seasonings and adjust if necessary.