In a large saucepan, combine 2 1/2 cups water, lemon pepper, and cumin seed. Bring to a boil.
Add chicken, reduce heat to low. Cover and simmer at least 30 minutes or until tender (I often simmer 1-2 hours, just because I start early).
Remove the chicken and cut into 1 inch pieces. Return chicken to the pan with the water, lemon pepper, and cumin seed.
Separately, cook the garlic and onion in the olive oil until the onion is tender. Add the onion and garlic mixture to the chicken.
Add corn, salt, chiles, ground cumin, and lime juice. Bring to a boil.
Add beans and heat thoroughly. You can simmer for quite a while if you prepare early. Serve with crushed chips and cheese on top.