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