Taco Casserole (low fat)

I made this tonight for dinner with some friends.  I found this recipe (from who knows where) YEARS ago when Paul and I lived in an apartment up in Las Vegas.  I was pleasantly surprised with how good it tastes.  I remembered liking it, but not loving the low-fat cheese.  Disclaimer:  I DO NOT LIKE COTTAGE CHEESE.  I'm not sure if you can substitute Ricotta Cheese, but maybe?  That being said, you can't tell there is cottage cheese in the casserole.  It may seem like a lot, but I promise  you won't notice.  My husband doesn't like it either, and he still went in for leftovers (which he never does)!  Anytime he eats leftovers, I consider that recipe a keeper.  :)  Enjoy!

Ingredients:
1 lb of chicken (give or take)
1/2 Cup of diced onions
1/2 Cup of diced peppers
      You can use anytime of peppers you like.  I don't like spicy so I just used sweet bell peppers-       Orange, Yellow, and Red. 
1 Clove of garlic.  (I used 2 tonight)'
1 package Taco Seasoning
1 8oz. can/jar of taco sauce
1 Can of fat-free refried beans
1 Cup Low-fat or Fat Free Sour Cream
1 Cup low-fat or Fat Free Cottage Cheese
1 Cup low-fat tortilla chips OR tortilla shells.  I've used both, but I prefer soft tortilla shells
1 Cup low-fat cheese
      Okay, I really don't like how lowfat cheese melts, so I used regular cheese.

Pre-heat the oven to 400 degrees
In a skillet cook the chicken (you can use diced or shredded).  I dice my chicken because my husband doesn't like shredded foods.  He's weird, I know.
While the chicken is cooking warm-up the refried beans
Once the chicken is cooked, add the onion, peppers, and garlic.  Once they are softened add the Taco Seasoning and Taco sauce.  *I usually add pepper, too.

Grease an 8x13 pan.  Layer the pan:
Chips/tortilla shells
Spread on the warmed-up refried beans (it makes it easier to spread)
Add the meat mixture
I put some cheese on top, but you don't have to
Add another layer of chips/tortilla shells to cover the top.
Cover with aluminum foil and bake for 25 minutes.
Take out the casserole and add the rest of the cheese on top of the chips/tortilla shells, put back in the oven.
Once the cheese is melted (usually around 5ish minutes) I pull it out and let it sit. 

Enjoy!  :)  I usually serve with a salad.