01 - Heat a large oven-proof skillet over medium-high heat. Add ground beef and cook, breaking up the meat with a spatula, until thoroughly browned. Drain off excess fat as needed.
02 - Add diced onion, minced garlic, and red bell pepper to the beef. Sauté, stirring frequently, until the vegetables are softened, about 3 to 4 minutes.
03 - Mix in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Stir well to evenly distribute the seasonings throughout the mixture.
04 - Pour in enchilada sauce and tomato sauce, mixing thoroughly to combine all ingredients.
05 - Arrange half of the quartered corn tortillas over the skillet mixture, then sprinkle with half of the cheddar and Monterey Jack cheese. Repeat layering with remaining tortillas and cheese.
06 - Reduce the heat to low, cover the skillet, and simmer for 5 to 7 minutes until heated through and the cheese is fully melted.
07 - Place the skillet under a broiler for 2 to 3 minutes, if desired, until the cheese is bubbly and golden brown.
08 - Top with sliced green onions, chopped cilantro, sour cream, or diced avocado as preferred. Serve hot.