If grilling, preheat an outdoor grill for high heat, and lightly oil a sheet of aluminum foil. If baking, preheat oven to 375 degrees Fahrenheit, and lightly oil a baking sheet. If pan frying, prepare pan for cooking.
In a medium bowl, mash beans with a potato masher or by hand until thick and pasty. Add peppers and onions and set aside.
In a separate small bowl, whisk together garlic, egg, chili powder, cumin, salt, and hot sauce (if using).
Stir the egg mixture into the mashed beans. Mix in bread crumbs until the mixture is sticky and holds together. Divide mixture into four patties.
If grilling, place patties on foil, and grill about 8 minutes on each side. If baking, place patties on baking sheet, and bake about 10 minutes on each side. To pan fry, cook each patty covered, on medium heat, for 8 minutes per side.