01 - In a large oven-proof skillet over medium-high heat, brown the ground beef, breaking it into small pieces as it cooks. Drain any excess fat if necessary.
02 - Add the diced onion, minced garlic, and red bell pepper to the skillet. Sauté until the vegetables are softened, about 3 to 4 minutes.
03 - Stir in the black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper, mixing until evenly combined.
04 - Pour in the enchilada sauce and tomato sauce. Stir well to ensure the mixture is fully integrated.
05 - Arrange half of the quartered corn tortillas over the beef mixture, followed by half of the shredded cheddar and Monterey Jack cheeses. Repeat with the remaining tortillas and cheese to create a second layer.
06 - Reduce the heat to low, cover the skillet, and simmer for 5 to 7 minutes until the dish is thoroughly heated and the cheese is melted.
07 - For a bubbly, golden cheese topping, place the skillet under a broiler for 2 to 3 minutes, watching closely to prevent burning.
08 - Finish with sliced green onions, freshly chopped cilantro, sour cream, or diced avocado as preferred. Serve immediately while hot.