Place tortillas on a foil-lined baking sheet and spray lightly with nonstick cooking spray. Sprinkle each with a pinch of chili powder. Bake 9 to 10 minutes, or until crisp.
In a small bowl, microwave beans for 30-45 seconds, or until softened. Mash with a fork and set aside.
Leaving tortillas on baking sheet, top each equally with beans, chicken, red peppers, green onions and cheese. Sprinkle with salt and pepper. Return to oven and bake 8 to 10 minutes, or until heated through and cheese is melted.
Top with light sour cream and/or guacamole and serve.
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