Step 1: In a large pot brown the ground beef with onion and green bell pepper until no longer pink; drain all fat.
Step 2: Add in garlic, oregano and chili flakes; cook stirring until browned (about 12-15 minutes, for the best flavor the meat must be slightly browned).Add in chili powder and cumin; cook stirring for 2 minutes.
Step 3: Add in stewed tomatoes with the juice, tomato sauce and seasoned salt; bring to a boil over medium heat stirring.
Step 4: Reduce heat to low and cook uncovered for 1-1/2 hours stirring occasionally (can simmer longer, the long the better!)
Step 5: Stir in the beans with their liquid and continue to cook for another 30 minutes, stirring occasionally.
Step 6: Ladle into bowls then top with cheddar cheese and dollup of sour cream if desired.
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