01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it apart with a spatula, until browned. Drain excess fat if necessary.
02 - Add diced onion, garlic, and red bell pepper to the skillet. Sauté until vegetables have softened, about 3 to 4 minutes.
03 - Stir in black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Stir to combine and warm the mixture evenly.
04 - Pour enchilada sauce and tomato sauce into the skillet, mixing thoroughly to blend all flavors.
05 - Arrange half the quartered corn tortillas evenly over the beef mixture. Top with half the cheddar and Monterey Jack cheese. Repeat with the remaining tortillas and cheese.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes until thoroughly heated and cheese has fully melted.
07 - If desired, transfer the skillet under a broiler for 2 to 3 minutes to achieve a bubbly, golden cheese topping.
08 - Garnish with sliced green onions, fresh cilantro, sour cream, or diced avocado to taste. Serve immediately while hot.