Preheat a grill over medium high heat (approximately 350 degrees F).

Brown the ground beef in a large skillet over medium high heat.  Break up the beef as it browns.  Drain off the excess grease.

Stir in the water, salsa and taco seasoning.  Heat for 3-5 minutes until the flavors are all combined.  Remove the beef from the heat.

In a separate mixing bowl, combine both of the shredded cheeses.

Prepare 4 large sheets of Heavy Duty Aluminum foil that are 18X18 inches.  Spray each piece of foil with a non-stick cooking spray.

Place a handful of chips on the center of each foil.  Then top each one with the meat mixture, beans and the shredded cheese.  Seal the foil packs and cut a hole on the top of each foil pack so that the chips don’t get soggy when they cook.

Place the foil packets on the grill and cook for 8-10 minutes until the cheese is melted.

Then carefully open the foil packets.  Top with your desired toppings, serve and enjoy!