Brown meat seasoned with garlic.  Drain.  Add onion flakes and tomato sauce; simmer 20 minutes.  Mix together olives, sour cream,cottage cheese and jalapenos.  In 2 quart casserole (greased) layer Doritos, meat mixture, then cottage cheese mixture, making 2 layers each, ending with cheese.  Save Monterey cheese for top layer and add the last 5 minutes of baking.  Bake 30 minutes at 350 degrees.