Cheesy Chilada Casserole

1 lb ground beef
1/2 small chopped onion
1 green pepper, diced (opt)
1 clove garlic or 1/4 tsp garlic powder
1 16 oz can pinto beans drained and smashed
1 15 oz can tomatoe sauce
1 C salsa
1 tsp cumin
1/2 tsp salt
12 Corn Tortillas
2 C shredded cheese (monterey jack mix)

Brown ground beef with gr pepper, onion and garlic. Add mashed beans, tomatoe sauce, salsa, cumin, and salt. Simmer 15 minutes. Spoon just enough of mixture into 9x13 pan to cover the bottom. Top with 6 tortillas. Top with 1/2 of remaining mixture. Sprinkle with 1/2 of the cheese. Cover w/ remaining tortillas, then remaining meat. Cover tightly with foil and bake at 350 degrees for 20 minutes.
Remove foil and top with remaining cheese and bake for 5 more minutes.
Serve individual servings topped with lettuce, sour cream, tomatoes, etc.
YUMMYUMM!

Heidi (given to me by Nicole Courtright)