01 - In a large oven-proof skillet over medium-high heat, cook the ground beef, breaking it into small pieces until evenly browned. Drain excess fat if necessary.
02 - Add the diced onion, minced garlic, and diced red bell pepper to the skillet. Cook, stirring frequently, until vegetables are softened, about 3 to 4 minutes.
03 - Stir in the black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper until well mixed.
04 - Pour in the enchilada sauce and tomato sauce. Stir to evenly combine with the beef and vegetables.
05 - Arrange half of the cut corn tortillas over the beef mixture. Sprinkle with half of the shredded cheddar and Monterey Jack cheese. Repeat with remaining tortillas and cheese to form two layers.
06 - Reduce heat to low, cover the skillet, and simmer for 5 to 7 minutes or until thoroughly heated and cheese is melted.
07 - If desired, place the uncovered skillet under the broiler for 2 to 3 minutes until the cheese is bubbling and golden on top.
08 - Finish with your choice of green onions, fresh cilantro, sour cream, or diced avocado before serving hot.