01 - Heat a large oven-proof skillet over medium-high. Add ground beef and cook, breaking it apart with a spatula, until evenly browned. Drain any excess fat if necessary.
02 - Add the diced onion, minced garlic, and red bell pepper to the skillet. Sauté for 3 to 4 minutes until vegetables soften.
03 - Stir in black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Cook for 1 to 2 minutes until aromatic.
04 - Pour in the enchilada sauce and tomato sauce. Mix thoroughly to combine all ingredients.
05 - Arrange half of the quartered corn tortillas over the beef mixture. Sprinkle with half of the cheddar and Monterey Jack cheese. Repeat layering with the remaining tortillas and cheese.
06 - Reduce heat to low, cover skillet, and simmer for 5 to 7 minutes until cheese melts and dish is heated through.
07 - For a golden, bubbly cheese topping, reposition oven rack and broil skillet under high heat for 2 to 3 minutes, monitoring carefully.
08 - Garnish with sliced green onions, fresh cilantro, sour cream, or diced avocado if desired. Serve immediately while hot.