Sort through the dry pinto beans and discard any bad beans.
Cover the beans with water and let soak overnight at room temperature (8 hrs)
Drain the beans and discard the soaking water
Add the plumped-up beans to an 8-10 qt stock pot. Also add the chicken broth, water, cottage ham, diced onions, and spices.
Bring these ingredients to a rapid boil. Then lower the heat and continue cooking on the stovetop for 2½ - 3 hours.
During the last ½ hour of cooking, remove the cottage ham to a plate and let it cool slightly. At this time, add in the tomato ketchup, to the stock pot, stir well and continue cooking.
Using two forks, pull apart and shred the cottage ham into bite-size pieces on the plate. Return the shredded ham pieces back to the stock pot and mix well to incorporate.
Recommend serving with freshly-baked skillet cornbread.
Like most soups, it tastes even better on the second day. It also freezes well.