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