01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it apart until fully browned. Drain excess fat if necessary.
02 - Add diced onion, minced garlic, and red bell pepper to the skillet. Sauté until vegetables are softened, about 3 to 4 minutes.
03 - Stir in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper; mix thoroughly.
04 - Pour in enchilada sauce and tomato sauce, stirring to combine with the beef mixture.
05 - Arrange half the quartered corn tortillas evenly over the beef mixture. Sprinkle with half of the cheddar and Monterey Jack cheese. Repeat with remaining tortillas and cheeses, creating layers.
06 - Reduce the heat to low, cover the skillet, and simmer for 5 to 7 minutes until heated through and cheese is completely melted.
07 - For a bubbly, golden top, position the skillet under a broiler for 2 to 3 minutes. Monitor closely to prevent burning.
08 - Top with sliced green onions, chopped cilantro, sour cream, or diced avocado as desired. Serve immediately while hot.