Preheat oven to 350°F.
Brown ground beef, onions and garlic until no pink remains. Drain any fat.
Stir in beans, seasonings, ¼ cup enchilada sauce, and ⅓ cup water, salt. Simmer until thickened.
Spread ½ cup enchilada sauce in the bottom of a baking dish. Heat tortillas according to package directions (or over a gas stove) until soft.
Place 2 tablespoons cheese and ⅓ cup beef filling in each enchilada. Roll and place seam side down in the pan.
Top with remaining enchilada sauce and cheeses. Bake 20-25 minutes uncovered or until cheese is melted and filling is hot.
Cool 10 minutes before serving.
