Preheat oven to 350 degrees.

In a large skillet, brown beef along with onion and peppers util beef is fully cooked and onion is tender. Mix in salt, pepper, and cumin.

Pour half of the enchilada sauce into the bottom of a 9 x 13 inch baking dish.

Place a rounded 1/3 cup of the meat mixture into each tortilla along with some of the pepper jack cheese. Roll up and place in the pan. Repeat with remaining tortillas.

Pour remaining enchilada sauce over the filled tortillas. Sprinkle with any remaining pepper jack cheese and all of the cheddar cheese.

Cover with a piece of foil spayed with non-stick cooking spray. Cook at 350 degrees for 20 minutes. Uncover and bake for another 15-20 minutes until cheese is melted. Serve topped with desired toppings. Makes 6 servings.