01 - In a large oven-proof skillet set over medium-high heat, cook the ground beef, breaking it apart with a spatula, until thoroughly browned. Drain any excess fat if necessary.
02 - Add the diced onion, minced garlic, and red bell pepper to the skillet. Sauté until the vegetables are tender and fragrant, about 3 to 4 minutes.
03 - Stir in the drained black beans, cumin, chili powder, smoked paprika, salt, and black pepper, mixing to evenly distribute the spices.
04 - Pour in the enchilada sauce and tomato sauce, stirring gently to combine ingredients.
05 - Arrange half of the quartered corn tortillas evenly over the beef mixture and sprinkle with half of the shredded cheddar and Monterey Jack cheese.
06 - Repeat layering with the remaining tortillas and cheese. Reduce heat to low, cover, and allow the mixture to simmer for 5 to 7 minutes until heated through and cheese is fully melted.
07 - If a golden, bubbly cheese topping is preferred, transfer skillet under the oven broiler for 2 to 3 minutes, monitoring closely to prevent burning.
08 - Finish with desired garnishes such as sliced green onions, fresh cilantro, sour cream, or diced avocado. Serve immediately while hot.