Dice garlic, and red onion. Heat a small amount of olive oil or cooking spray in a large skillet over medium heat. Add red onion and garlic. Saute until onion begins to soften, about 4 minutes.
Add turkey and cook until browned.
Add in next 5 ingredients (through chili powder) Bring to a boil, then reduce heat and simmer for 8 minutes.
Stir in black beans, dash of salt and pepper, and cilantro (or 1 tablespoon dried cilantro). Cook several minutes until beans are heated through.
Serve on hamburger buns or bread, and top with your favorite spicy food toppings like guacamole, sliced jalapenos, or red onion. Other suggestions: queso fresco, black olives, sour cream.