1 (8 oz.) pkg. cream cheese
1 can refried beans
2 cloves garlic, minced
1/4 large onion, minced
1 tsp. salt (optional)
10 to 12 oz. shredded cheese (Mexican and Mozzarella or any kind you prefer)
tortilla chips (Scoops are great for this)

Preheat oven to 475°F. Spread cream cheese evenly in an ungreased 10-inch casserole dish; set aside. In saucepan over low heat, mix beans, garlic, onion and salt. When mixture is hot, add 1/2 cup cheese and mix until melted. Spread mixture over cream cheese; top with remainder of shredded cheese.

Bake first 10 to 15 minutes uncovered. Then cover with tinfoil and bake another 10 to 15 minutes or until sides have bubbled a few minutes. Remove from oven; remove foil. Let cool 2 to 3 minutes. Serve hot with chips.