01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it apart until well browned. Drain excess fat if necessary.
02 - Add diced onion, garlic, and red bell pepper to the skillet. Sauté until the vegetables are softened, about 3 to 4 minutes.
03 - Stir in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix thoroughly.
04 - Pour in enchilada sauce and tomato sauce. Stir to evenly combine all ingredients.
05 - Arrange half of the quartered corn tortillas over the beef mixture and sprinkle with half the cheddar and Monterey Jack cheese. Repeat layering with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and let simmer for 5 to 7 minutes, or until heated through and cheese is completely melted.
07 - For a golden, bubbly cheese top, transfer the uncovered skillet under a broiler for 2 to 3 minutes, watching closely.
08 - Top with green onions, cilantro, sour cream, or diced avocado as desired. Serve while hot.