01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it apart until evenly browned. Drain excess fat if necessary.
02 - Add the diced onion, minced garlic, and red bell pepper to the beef. Sauté for 3 to 4 minutes until vegetables are softened.
03 - Stir in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix thoroughly to combine.
04 - Pour in the enchilada sauce and tomato sauce, stirring well to blend flavors.
05 - Arrange half of the tortilla quarters over the beef mixture, then sprinkle with half of the shredded cheddar and Monterey Jack cheeses. Repeat layering with the remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until heated through and cheese has melted.
07 - For a bubbly, golden crust, transfer skillet to the broiler for 2 to 3 minutes, watching closely.
08 - Remove from heat and garnish with green onions, chopped cilantro, sour cream, or diced avocado if desired. Serve hot.