01 - In a large oven-proof skillet over medium-high heat, cook ground beef while breaking it apart until evenly browned. Drain excess fat if necessary.
02 - Add diced onion, minced garlic, and diced 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 thoroughly combined.
04 - Pour in enchilada sauce and tomato sauce, mixing until the beef mixture is evenly coated.
05 - Arrange half of the quartered corn tortillas over the beef mixture. Evenly sprinkle with half of the shredded cheddar and Monterey Jack cheese.
06 - Repeat the layering process with remaining tortillas and cheese.
07 - Reduce heat to low, cover, and simmer for 5 to 7 minutes, allowing the layers to heat through and the cheese to melt.
08 - For a bubbly, golden top, place the skillet under a broiler for 2 to 3 minutes, watching closely to prevent burning.
09 - Top with green onions, cilantro, sour cream, or diced avocado as desired. Serve hot.