In a small bowl whisk together the spices and set aside. Preheat oven to 350°F.
Heat oil in a large skillet over high heat. Add onion, cook for 2 minutes. Add garlic and cook another minute.
Add ground beef, spices and cook for 2 minutes, breaking up meat as it browns. Add refried beans, 1 cup cheese and stir to combine. Cook for 2 minutes. Season to taste. Set aside to cool slightly.
Pour some of the Tex-Mex Chili Gravy to cover bottom of 13×9″ baking dish.
Spread 2/3 cup of ground beef filling horizontally across the center of a tortilla, keeping the filling close to each edge. Next, bring the bottom half of the tortilla up and over the top of the filling. Then fold in each side and roll the burrito up into a nice package. TIP: Don't roll the burrito up too tightly or the tortilla could tear.
Place the rolled burrito seam side down on top of the sauce in the casserole dish. Repeat until 6 burritos are in the pan. Cover with aluminum foil to bake 15 minutes (or make 2 at a time in a skillet as pictured, optional).
Remove from oven and top with the remaining Tex Mex Chili Gravy and shredded Colby-Jack cheese and bake another 5 minutes, uncovered.