Preheat your oven to 350°F (175°C). Greatest a 9x13-inch baking dish.
In a large bowl, combine the cream of chicken soup, cream of mushroom soup, sour cream, Rotel, diced onion, diced red bell pepper, minced garlic, chili powder, cumin, salt and pepper. Mix well.
Layer half of the white corn tortillas on the bottom to the greased 9x14-inch baking dish.
Spread half of the shredded chicken evenly over the tortillas.
Pour half of the soup mixture over the shredded chicken.
Sprinkle half of the shredded colby jack cheese on top.
Repeat the layers - torn white corn tortillas, shredded chicken, soup mixture, and shredded colby jack cheese.
Cover the baking dish with aluminum foil and bake for 30 minutes.
Remove the foil and bake for an additional 10-15 minutes or until the casserole is bubbly and the cheese is melted and golden.
Remove from the oven and let it cool for a few minutes before serving.