Sour Cream, sliced Ripe Olives, Guacamole and chopped Tomatoes, optional
Cook beef, onion and garlic over medium heat until meat is no longer pink. Drain. Stir in salsa, beans, enchilada sauce, chilies, taco seasoning and pepper, heat through.
Spread 1 cup sauce in a greased 13 x 9 inch baking dish. Layer with 2 tortillas, a third of the meat mixture and 1 cup cheese. Repeat layers. Top with remaining tortillas and meat mixture.
Cover and bake at 375 degrees for 30 minutes. Uncover, sprinkle with remaining cheese and top with tortilla chips. Bake 10 to 15 minutes more or until cheese is melted. Let stand 10 minutes before serving. Garnish with sour cream, olives, guacamole and tomatoes.