01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it apart until well browned. Remove excess fat if necessary.
02 - Add diced onion, minced garlic, and diced red bell pepper to the skillet. Sauté for 3 to 4 minutes, stirring occasionally, until vegetables are softened.
03 - Stir in black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper, mixing thoroughly.
04 - Pour enchilada sauce and tomato sauce into the skillet, stirring well to combine all ingredients.
05 - Spread half of the quartered corn tortillas over the beef mixture. Sprinkle with half of the shredded cheddar and Monterey Jack cheese. Repeat layering with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes, allowing the dish to heat through and the cheese to melt.
07 - If desired, place the uncovered skillet under a preheated broiler for 2 to 3 minutes until the cheese is bubbly and golden.
08 - Top with green onions, cilantro, sour cream, or avocado as preferred. Serve immediately.