01 - Heat a large oven-proof skillet over medium-high. Cook ground beef, breaking into crumbles, until thoroughly browned. Drain any excess fat.
02 - Add diced onion, minced garlic, and red bell pepper to the skillet with beef. Sauté until vegetables are soft, approximately 3 to 4 minutes.
03 - Stir in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix to evenly distribute the spices.
04 - Pour in enchilada sauce and tomato sauce, stirring to blend into the mixture.
05 - Arrange half of the cut corn tortillas over the beef mixture. Sprinkle with half of the cheddar and Monterey Jack cheeses. Repeat layers with remaining tortillas and cheeses.
06 - Reduce heat to low. Cover skillet and simmer for 5 to 7 minutes until thoroughly heated and cheese is melted.
07 - If desired, transfer skillet uncovered under the broiler for 2 to 3 minutes to achieve a bubbly, golden top.
08 - Top with green onions, cilantro, sour cream, or avocado as preferred. Serve hot.