In a large pot, brown ground beef. Add 1/2 of your salt and pepper to the beef while cooking.

Drain meat and sit to the side.

In the same pot, add onions, garlic, and potatoes.

Pour in water and bouillon, bring to a boil.

Reduce heat and pour in 1/2 of your milk.

In a separate bowl, mix remain milk and flour and remaining salt and pepper.

Pour into pot and mix well.

Stir in velveeta and cheddar cheese.

Continue until cheese has completely melted.

Serve immediately.