01 - Heat a large oven-proof skillet over medium-high heat. Cook the ground beef, breaking it apart with a spatula, until browned throughout. Drain excess fat if necessary.
02 - Add diced onion, garlic, and red bell pepper to the pan. Sauté for 3 to 4 minutes until softened.
03 - Stir in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix well to combine.
04 - Pour in the enchilada sauce and tomato sauce. Stir thoroughly to evenly distribute.
05 - Arrange half of the quartered corn tortillas over the beef mixture. Sprinkle evenly with half the shredded cheddar and Monterey Jack cheeses. Repeat layering with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until the filling is hot and cheese is melted.
07 - If desired, place the skillet under a broiler for 2 to 3 minutes until the cheese is bubbly and golden.
08 - Garnish with sliced green onions, chopped cilantro, sour cream, or diced avocado as desired. Serve immediately while hot.