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