Preheat the oven to 350 degrees. Spray 9x13 caasserole dish with nonstick cooking spray, set aside.
Dice the onion and bell pepper.
In a large large skillet, brown ground beef with the diced onion and bell pepper until there is no pink left in the beef. Drain, if desired.
Add the can drained black beans, water and taco seasoning packets. Cook for about 5 minutes until everything is well blended and heated through.
Whisk together the sauce ingredients - Rotel, sour cream and cream of chicken soup.
Spoon about ¼ cup sauce mix onto the bottom of the pan. Slice the tortillas in half. Layer the tortillas to cover the bottom of the baking dish. (Reference photo instructions above.)
Spoon half the burrito mixture on top of the tortillas, top with half the sauce, sprinkle with ⅓ of the cheese.
Repeat layers, finishing with a layer of tortillas. Sprinkle remaining cheese on top.
Cover with foil, bake in pre heated oven for 30 minutes or until hot and bubbly. Top with diced tomatoes, minced cilantro, sour cream or salsa.