In a large skillet, heat the oil over medium heat. Cook and stir the onion and peppers for 3 minutes.
Add the garlic; cook and stir for 30 seconds longer. Stir in the beans, rice, corn, cilantro, cumin, chili powder and half of the salsa. Divide among 4 bowls.
Wipe out the skillet. Heat the skillet over low heat. Add the cottage cheese; heat through, stirring constantly. Divide the cottage cheese evenly on top of the bean mixture in each bowl.