Step 1

Preheat the oven to 350 degrees Fahrenheit. Spray a 9x13 baking pan with cooking spray.

Step 2

In a large skillet, cook the beef, pepper and onion over medium heat until meat is no longer pink. Drain off any fat.

Step 3

Add water and taco seasoning packets. Bring to a boil. Reduce heat and then simmer, uncovered, for 2 minutes.

Step 4

Stir in black beans and tomatoes (with juice). Simmer, uncovered, for 10 minutes.

Step 5

Place 2 tortillas in the bottom of a greased 13x9-in. baking dish. Break a third tortilla and piece it together in any holes to make as much of a complete layer of tortillas as possible.

Step 6

Spread with half of the refried beans and half of the beef mixture.

Step 7

Sprinkle with 1 cup cheese.

Step 8

Repeat layers (3 tortillas, remaining beans, remaining beef, 1 cup of cheese).

Step 9

Top with remaining tortillas and 2 cups cheese.

Step 10

Cover with foil and bake at 350° for 25-30 minutes or until heated through and cheese is melted.

Step 11

Serve with sour cream and fresh pico de gallo.