01 - In a large oven-proof skillet over medium-high heat, cook ground beef, breaking it into crumbles, until thoroughly browned. Drain excess fat as needed.
02 - Add diced onion, minced garlic, and red bell pepper. Sauté until vegetables are softened, about 3 to 4 minutes.
03 - Stir in drained black beans, cumin, chili powder, smoked paprika, salt, and black pepper, blending thoroughly.
04 - Pour enchilada sauce and tomato sauce into the skillet, mixing until evenly combined.
05 - Arrange half the cut corn tortillas over the beef mixture, followed by half the shredded cheddar and Monterey Jack cheese. Repeat the layering with remaining tortillas and cheese.
06 - Reduce heat to low. Cover and simmer for 5 to 7 minutes, allowing the mixture to heat through and the cheese to melt.
07 - For a bubbly, golden crust, set the skillet under the broiler for 2 to 3 minutes if desired.
08 - Garnish with green onions, cilantro, sour cream, or diced avocado according to preference. Serve while hot.