Put the Rotel, carrots, and pepper in the food processor.
Process until still a little chunky.
In a large Dutch oven or pot, saute the onions and garlic until soft. Add all of the spices. Cook for one minute.
Add the tomato mixture, broth, beans, corn, and water.
Simmer partially covered over low heat for 30 minutes.
Add the cilantro.
Ladle into bowls. (optional: you can add some shredded chicken).
Crush some tortilla chips on top of the soup. Garnish with sliced avocado, cheese, sour cream, cilantro, and lime wedges. A squeeze of lime juice really brightens this soup up.