Pick over beans to remove dirt and small stones; cover with water and let soak overnight in a large container.
Drain, cover with fresh water and simmer 2 hours, or until tender (pintos may need longer).
Sauté bacon and ham until lightly browned; add to beans.
Sauté onions in bacon fat until lightly browned.
Add garlic and sauté a minute or two longer.
Drain most of liquid off beans and stir in sauce. Keep warm on low heat until ready to serve.
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