01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it apart, until well-browned. Drain excess fat if necessary.
02 - Add diced onion, minced garlic, and diced red bell pepper. Sauté until the vegetables are softened, 3 to 4 minutes.
03 - Mix in drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper.
04 - Pour in enchilada sauce and tomato sauce. Stir thoroughly to combine all ingredients.
05 - Arrange half of the cut corn tortillas evenly over the meat mixture. Top with half of the cheddar and Monterey Jack cheeses. Repeat layering with remaining tortillas and cheeses.
06 - Reduce heat to low. Cover and simmer for 5 to 7 minutes, until thoroughly heated and cheese is melted.
07 - For a golden, bubbly top, place skillet briefly under broiler for 2 to 3 minutes. Monitor closely to prevent burning.
08 - Garnish as desired with green onions, cilantro, sour cream, or diced avocado. Serve hot.