Brown beef in a large nonstick skillet over medium-high heat, stirring until it crumbles and is no longer pink. Drain and return to skillet. Stir in salsa, beans, and taco seasoning; bring to a boil. Reduce heat, and simmer, stirring occasionally, 10 minutes.
Peel and mash avocados; stir in sour cream and cilantro.
Place desired amount of tortilla chips on a serving platter, and top with shredded lettuce and beef mixture. Serve with avocado mixture and desired toppings.