In a skillet on medium heat, melt 2 tbs butter.
Add chopped onions to butter and cook until translucent.
Add the ground beef and brown. As meat comes to a brown color – add the minced garlic. When the meat is browned, pour off the grease.
In a large crock pot or stock pot , add the browned meat, onion and garlic mixture. Open the black beans, discard the extra liquid from the can and add the black beans to the pot. Open the red beans, discard the extra liquid from the can and then add the red beans to the pot. Open the chili beans and add directly to the pot. Open both cans of tomatoes and add directly to the pot. Stir well after each can.
Add the packets of taco seasoning and Ranch dressing mix. Add the brown sugar and crushed Chipotle Peppers and stir well.
If cooking on the stove top, heat on medium heat and serve when heated through (allow to simmer for several hours if you can, add water as needed). If cooking in a crock pot, pour the ingredients in the pot into the crock pot, place on high and heat for 3 hours (or low for 6-8 hours).