In a large skillet over medium heat, brown ground beef.
Add onion, black-eyed peas, undiluted soups, enchilada sauce and garlic; stir.
Grease 2 casseroles; layer 1/4 of chips on bottom of each casserole.
Top with 1/4 of meat mixture and 1/4 of cheese.
Repeat layering procedure.
Bake in preheated 350° oven 35 minutes.