Make the beef & bean filling: heat oil in pan, cook beef, stirring, til browned.
Add onion and garlic, cook, stirring, til onion is soft. Stir in undrained can of tomatoes and remaining ingredients; simmer uncovered 15 minutes or til mixture is thickened.
Divide warm beef & bean filling among the tortillas, roll; secure with toothpicks. Placed filled tortillas on greased oven tray, sprinkle with cheese and bake in moderate oven about 10 minutes or til cheese melts.
Meanwhile, make the guacamole: mash avocado with fork, add remaining ingredients and mix well.
To serve: Remove toothpicks from tortillas, served topped with guacamole, sour cream and cilantro.