1. In a large pot, brown and crumble the ground beef with the garlic, onion and red bell pepper. Cook until beef is mo longer pink; drain.
2. Return the cooked beef mixture to the pot.
3. Add to the pot, the undrained tomatoes, diced green chilies, mexicorn, black beans, salt, cumin, and pepper.
4. Bring to a gentle simmer and simmer for about 10 minutes.
5. Stir in the cheeses and milk. Stir frequently and heat until cheese is melted and smooth - do NOT let boil.