Preheat oven to 350 degrees F. Spay a 9x13 baking dish with cooking spray; set aside.
In a large skillet, sauce onion, green and red pepper in oil over medium high heat, until translucent and tender; about 5-7 minutes.
Add garlic and cook for another minute.
Add in chicken, soups, hotel tomatoes, chili powder, cumin, salt and pepper. Stir well to combine.
Line half the baking dish with 1/3 of the tortillas, top with 2/3 cup of the chicken mixture, sprinkle 1/3 up cheese. Repeat layers until cheese is the last layer. Use remaining cheese to top casserole.
Bake 30 minutes, uncovered; until cheese is melted and bubbly.
Serve with a big dollop of sour cream!