Combine beans, chicken broth, garlic and 1/2 of the onions in a large pot and bring to a boil. Reduce the heat and simmer until the beans are very soft. About 2 hours, or until done. Add more broth if needed. In a skillet, sauté remaining onions in oil until tender. Add chiles, tomatoes, juice, and seasonings. Mix throughly. Add to bean mixture. Add chicken and continue to simmer 1 hour. Taste for salt. Garnish with cheese and serve!