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