Preheat oven to 400°F. Grease a baking dish with olive oil or cooking spray.
Blend the cottage cheese for the meatball mixture until completely smooth using an immersion blender or small blender. Set aside.
In a large bowl combine ground meat, egg, blended cottage cheese, breadcrumbs, minced garlic, chili powder, cumin, salt, and pepper. Mix until just combined. Stop the moment everything is incorporated. Do not overmix.
Roll into small to medium meatballs, about 1.5 tablespoons each. Place directly into the greased baking dish in a single layer.
Pour enchilada sauce evenly over and around all the meatballs. Make sure every meatball has sauce touching it.
Dollop cream cheese or cottage cheese on top of the sauce. Use a spoon to lightly swirl it in without fully mixing it. Sprinkle garlic powder over everything. If using black beans and corn, scatter them around the meatballs now.
Bake uncovered at 400°F for 20 to 25 minutes until meatballs are cooked through and sauce is bubbling.
Sprinkle cheese evenly over the top and bake for another 5 to 8 minutes until fully melted and bubbly. For extra color, broil the last 2 minutes and watch closely.
Let rest for 5 to 10 minutes before serving. The sauce thickens as it sits.
Top with desired toppings and serve over rice, in tacos, on nachos, or straight from the dish.