01 - In a large oven-safe skillet set over medium-high heat, cook the ground beef, breaking it into crumbles, until evenly browned throughout. If necessary, drain excess fat from the skillet.
02 - Add diced onion, minced garlic, and diced red bell pepper to the skillet. Cook, stirring frequently, until vegetables soften, about 3 to 4 minutes.
03 - Add drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Stir to combine thoroughly with the beef mixture.
04 - Pour enchilada sauce and tomato sauce into the skillet. Stir well to blend all components evenly.
05 - Arrange half of the quartered corn tortillas over the beef mixture. Sprinkle with half the shredded cheddar and Monterey Jack cheeses.
06 - Top with the remaining tortillas and cheeses. Reduce heat to low, cover the skillet, and allow to simmer for 5 to 7 minutes, or until heated through and cheese is fully melted.
07 - For a bubbly, golden cheese topping, place the uncovered skillet under the broiler for 2 to 3 minutes, watching closely to avoid burning.
08 - Finish with sliced green onions, chopped cilantro, sour cream, or diced avocado as desired. Serve immediately while hot.