Preheat oven to 350 degrees. Spray a 9x13-inch baking dish with a non-stick spray.
Heat oil in a large skillet. Cook turkey, onion, spices and green chiles together until turkey is cooked through. Note: If using cooked turkey, add after onion mixture has cooked.
Add 1-½ cups enchilada sauce to cooked turkey, stir and set aside.
Pour a small amount of enchilada sauce in bottom of prepared baking dish (just barely enough to cover). Lay 4 or 5 half-tortillas in bottom. Overlap them so the bottom is completely covered.
Continue layering with ⅓ of turkey mixture, ⅓ of black beans if using, ¾ cup cheese. Repeat with layers 2 more times ending with cheese.
Pour remaining enchilada sauce over all. Cover with aluminum foil.
Bake for 30 minutes then remove from oven, uncover, sprinkle remaining ¾ cup cheese on top and bake for another 10 minutes. If you like your cheese browned like I do, place under broiler for 3-5 minutes.
Serve with chopped lettuce & tomato and avocado slices.