In a skillet over medium heat, sauté ground beef, onion, and garlic until the beef is thoroughly browned and onions are tender.
Season and Combine with Cheese:

Sprinkle in cumin, chili powder, salt, and pepper. Mix well and cook for an additional 2 minutes.
Take off the heat, and blend in the cheddar and Monterey Jack until they are smoothly melted.
Tortilla Prep:

Briefly warm the tortillas in the microwave to make them soft and flexible.
Assemble the Chimichangas:

Distribute the beef mixture evenly among the tortillas, placing it in the center. Fold in the edges and roll up each tortilla tightly to encase the filling.
Frying Time:

In a large skillet, heat a layer of vegetable oil. Carefully fry the chimichangas seam-side down until they turn golden and crisp. Rotate occasionally.
Remove and let drain on paper towels.
Serve and Enjoy:

Offer the chimichangas hot, accompanied by salsa, sour cream, and guacamole.
Prep Time: 15 minutes | Total Time: 35 minutes | Servings: 6