In a sauce pan on medium heat, add Oil, allow to get hot. Add Onion, lightly season with Salt, Pepper, and Garlic Plus saute for 5 minutes. Add Ground Beef, lightly season with Salt, Pepper, and Garlic Plus, saute 8 minutes, (until no longer pink). Drain fat.
Add Taco Seasoning, Salt, and Pepper. Saute for an additional 8 minutes, (until meat is well browned). Add Refried Beans and Pickled Pepper Juice, mix well.
Add half the Tortilla Chips and top with half the Beef-Bean mixture, half the Cheese, half the Black Beans, and half the Pickled Hot Cherry Peppers.
Repeat one more layer.
Bake until cheese is melty, 15 minutes.
Scatter with Tomato, and Scallions. Drizzle with Sour Cream and hot sauce and serve immediately.