01 - In a large oven-proof skillet over medium-high heat, cook the ground beef while breaking it apart until evenly browned. Drain excess fat if necessary.
02 - Add diced onion, garlic, and red bell pepper to the skillet. Sauté until softened, about 3 to 4 minutes.
03 - Stir in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix to combine thoroughly.
04 - Pour in the enchilada sauce and tomato sauce. Stir well to fully incorporate into the mixture.
05 - Evenly layer half of the quartered corn tortillas over the mixture. Sprinkle with half of the shredded cheddar and Monterey Jack cheeses. Repeat the layers with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until heated through and cheese has melted.
07 - If desired, remove the lid and place the skillet under a broiler for 2 to 3 minutes to achieve a bubbly, golden cheese top.
08 - Garnish with green onions, cilantro, sour cream, or avocado as preferred. Serve hot.