01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it up, until it is browned throughout. Drain excess fat if needed.
02 - Add diced onion, minced garlic, and diced red bell pepper to the beef. Sauté until the vegetables are softened, about 3 to 4 minutes.
03 - Add the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Stir to combine thoroughly.
04 - Pour in the enchilada sauce and tomato sauce. Mix until well combined.
05 - Distribute half of the quartered corn tortillas over the beef mixture. Sprinkle with half of the shredded cheddar and Monterey Jack cheese. Repeat with the remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until the mixture is heated through and the cheese is melted.
07 - For a bubbly, golden cheese topping, place the skillet under a broiler for 2 to 3 minutes, watching carefully.
08 - Garnish with sliced green onions, chopped cilantro, sour cream, or diced avocado as desired. Serve hot.