Mise en place (always!). Pre-heat to oven to 350°. Grease a 9" x 13" baking dish.
Brown ground beef with garlic and cumin.
While beef is browning, cook Spanish rice. Mix in refried beans.
Drain excess fat. Reduce to low and add half of each of the cheeses. Stir until cheese is melted. Add green chilis. Mix. Remove from heat.
Lay out flour tortillas. Divide meat mixture evenly between tortillas, placing meat towards one end of tortilla. Divide beans and rice among tortillas.
Roll up tortillas. Place seam-side down in prepared baking dish.
Pour enchilada sauce over top. Top with remaining half of cheeses.
Bake 25 minutes in pre-heated oven until thoroughly heated through. Top with chopped tomatoes (optional).