1. Preheat oven to 350.
2. Coat a baking dish with non stick spray.
3. Brown ground beef and onion. Drain.
4. Add tomatoes and green chilies, tomato sauce, cumin,salt and pepper. Simmer 15 minutes.
5. In a small bowl combine sour cream and cream cheese.
6. Spread cream cheese mixture on top of the 3 tortillas.
7. Layer in the baking dish tortilla, meat mixture then cheese. Repeat 2 more times.
8. Bake 30 minutes.
9. This can be garnished with diced tomato,chopped green onions, shredded lettuce, black olives or guacamole. I didn't use any garnishes and it was very good.