Preheat oven to 350. Cook turkey, onion and spices in large skillet until meat is done. Stir in beans and chilis.

Stir flour and garlic powder into sour cream.

Place half the tortillas into 2 qt. baking dish, tearing to fit in an even layer. Top with half the meat mixture, half the sour cream mixture, half the sauce, and half the cheese.Repeat for second layer.

Cover and chill up to 24 hours or cover and bake 35 minutes at 350. The remove foil and bake 5 more minutes to melt cheese.