01 - Heat a large oven-proof skillet over medium-high heat. Add ground beef and cook, breaking up with a spatula, until evenly browned. Drain excess fat if necessary.
02 - Add diced onion, minced garlic, and diced red bell pepper to the pan. Sauté until the vegetables are soft, about 3 to 4 minutes.
03 - Incorporate the black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Stir well to blend flavors.
04 - Pour in the enchilada sauce and tomato sauce. Mix thoroughly to ensure even distribution.
05 - Arrange half of the quartered corn tortillas over the beef mixture. Sprinkle with half the cheddar and Monterey Jack cheese. Repeat layering with remaining tortillas and cheese.
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, transfer skillet under the broiler for 2 to 3 minutes to achieve a bubbly, golden cheese crust.
08 - Top with green onions, cilantro, sour cream, or diced avocado as preferred. Serve immediately while hot.