In a large skillet over medium-high heat, brown the ground beef with chopped onions then drain excess fat. Stir in the taco seasoning, water, and chili beans. Bring to a boil, reduce heat and simmer for 15 minutes.
Combine the lettuce, cheese, tomatoes and meat mixture into individual servings in bowls and mix well. Then, top with a little french dressing, salsa and sour cream.