Cook the Beef Mixture: In a large skillet, cook the ground beef, chopped onion, and minced garlic over medium heat until the beef is browned and the onions are soft.
Add Spices and Cheese: Add cumin, chili powder, salt, and black pepper. Stir to combine and cook for another 2 minutes. Remove from heat and stir in shredded cheddar and Monterey Jack cheeses until melted.
Prepare the Tortillas: Warm the tortillas in the microwave for about 30 seconds to make them pliable.
Assemble Chimichangas: Spoon the beef mixture onto the center of each tortilla. Fold in the sides and roll up tightly to enclose the filling.
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