01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it into small pieces, until evenly browned. Drain excess fat if necessary.
02 - Add the diced onion, minced garlic, and diced red bell pepper to the skillet. Sauté until the vegetables have softened, about 3 to 4 minutes.
03 - Mix in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper, stirring thoroughly to combine.
04 - Pour in the enchilada sauce and tomato sauce. Stir to fully integrate.
05 - Layout half the quartered corn tortillas evenly over the beef mixture. Top with half the cheddar and Monterey Jack cheeses. Repeat with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and let simmer for 5 to 7 minutes until fully heated and the cheese is melted.
07 - For a bubbly, golden cheese top, place the skillet under a broiler for 2 to 3 minutes if desired.
08 - Garnish with green onions, fresh cilantro, sour cream, or avocado as preferred. Serve immediately while hot.