01 - Heat a large oven-proof skillet over medium-high heat. Add ground beef and cook, breaking it apart with a spatula, until browned throughout. If needed, drain off excess fat.
02 - Stir in diced onion, minced garlic, and diced red bell pepper. Sauté until the vegetables are tender, about 3 to 4 minutes.
03 - Blend in the drained black beans, ground cumin, chili powder, smoked paprika, salt, and black pepper. Mix until evenly incorporated.
04 - Pour in the enchilada sauce and tomato sauce, stirring thoroughly to combine all ingredients.
05 - Distribute half of the quartered corn tortillas over the skillet mixture. Sprinkle with half the shredded cheddar and Monterey Jack cheeses. Repeat with remaining tortillas and cheeses to create a top layer.
06 - Lower heat to a gentle simmer, cover, and cook for 5 to 7 minutes until thoroughly heated and cheese is fully melted.
07 - For a bubbly, golden cheese crust, transfer skillet under a broiler for 2 to 3 minutes, monitoring closely.
08 - Top with green onions, cilantro, sour cream, and avocado as desired. Serve hot.