In a large skillet, heat the olive oil over medium heat. Add the onion, bell pepper, and garlic, sauté until soft.
Add the ground beef or turkey to the skillet. Cook until browned. Drain any excess fat.
Stir in the diced zucchini, diced tomatoes, chili powder, cumin, paprika, salt, and black pepper. Cook for about 5 minutes until the zucchini is tender.
Remove from heat and stir in the cottage cheese, half of the cheddar cheese, and cilantro if using.
Transfer the mixture to a baking dish. Top with the remaining cheddar cheese and grated Parmesan cheese.
Bake in the preheated oven for 25 minutes or until the cheese is melted and bubbly.
Let it cool for a few minutes before serving.
Notes
You can add more vegetables like corn or black beans for extra flavor and nutrition.