PREHEAT oven to 400°F.
In a large nonstick skillet over medium heat, ADD ground chuck and onionSPRINKLE with cumin, chili powder, salt, and pepper.
COOK, STIRRING often, until meat crumbles and is no longer pink and onions are softened, about 8 minutes; TRANSFER mixture to a plate lined with paper towels to drain.
LINE a large rimmed baking sheet with aluminum foil.
SPREAD chips across pan in a single layer with as little overlap as possible; TOP chips evenly with meat mixture, beans, and cheese.
BAKE until cheese melts and just begins to brown in places, about 8 minutes.
REMOVE chips from oven; TOP with onion, jalapeño, avocado, sour cream, and cilantro.
SERVE with salsa and lime wedges.
Per Serving (excluding unknown items): 371 Calories; 24g Fat (57.8% calories from fat); 15g Protein; 25g Carbohydrate; 4g Dietary Fiber; 51mg Cholesterol; 657mg Sodium. Exchanges: 1 Grain(Starch); 1 Lean Meat; 1/2 Vegetable; 0 Fruit; 0 Non-Fat Milk; 3 Fat.