In a bowl, mix the cottage cheese, whipped cream cheese, mozzarella, parmesan, garlic powder, and black pepper until mostly combined.
Fold in the chopped spinach, artichokes, and banana peppers.
Heat a skillet over medium heat and lightly butter or oil the surface.
Place one tortilla in the pan and spread a layer of the filling over half of it. Fold the tortilla over and press lightly.
Cook for 3–4 minutes per side until the tortilla is golden and the cheese is melted. Repeat with remaining tortillas.
Let rest for a minute, then slice into wedges and serve warm.