01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it into crumbles, until thoroughly browned. Drain excess fat if necessary.
02 - Add diced onion, garlic, and red bell pepper to the skillet with the beef. Sauté, stirring often, until vegetables soften, about 3 to 4 minutes.
03 - Stir in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper until evenly distributed.
04 - Pour enchilada sauce and tomato sauce into the skillet. Mix thoroughly to combine with beef and vegetables.
05 - Layer half of the quartered corn tortillas evenly over the beef mixture. Sprinkle half of the shredded cheddar and Monterey Jack cheese over the tortillas. Repeat layering with remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until heated through and cheese is fully melted.
07 - For a bubbly, golden cheese topping, position the skillet under a broiler for 2 to 3 minutes, monitoring carefully to avoid burning.
08 - Garnish with green onions, cilantro, sour cream, or avocado as desired. Serve hot.