Put all ingredients together in a crockpot and cover with water.
Cook, covered, over low heat for 6 hours.
Add water as needed.
After 6 hours, take bone out (if there was one) and break meat up.
Cook one hour more, uncovered, to thicken.
Mash beans slightly if desired.
Serve over chips with cheese, tomato, onion, sour cream, guacamole and olives or roll in flour tortilla and serve as a burrito.
Burrito can also be fried and eaten with same toppings as with the chips.