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