Bean & Beef/Turkey Enchiladas

3/4 lb. lean ground beef or turkey
1 cup chopped onion
1 can (30 oz) vegetarian or no fat refried beans
1 can (4 oz) diced green chilies
1/2 tsp cumin
1/2 tsp chili powder
12 tortillas (6 inch size) flour or corn
2 cans (10 oz each) enchilada sauce
1/2 tsp chopped garlic
4 oz. grated, cheddar cheese

Preheat oven to 375 degrees.  In a large skillet add onion and ground meat.  Cook until meat is done.  Add next four ingredients and mix well.  Spray a 9 x 13 baking pan with non stick coating.  Add 1/4 tsp garlic to each can of enchilada sauce.  Pour 1/2 can of enchilada sauce in the bottom of the pan.  Place filling in each tortilla.  Roll to enclose.  Place seam side down on baking dish.  Pour remaining sauce over top.  Bank for 20 - 25 minutes or until thoroughly heated.  Top with cheese and return to oven for 5 minutes.