Preheat your oven to 400°F (200°C). Place four oven-safe ramekins on a baking sheet.

In a large skillet, cook the ground beef over medium-high heat for 5-7 minutes until browned with no pink remaining, breaking it into crumbles. Drain any excess fat.

Stir in the pizza sauce, Italian seasoning, garlic powder, salt, and pepper. Cook for 2-3 minutes until heated through and fragrant.

Divide the meat mixture evenly among 4 ramekins (about 1/2 cup per ramekin). Don't pack it down, keep it slightly loose.

Layer toppings starting with mozzarella cheese, then Parmesan cheese, followed by pepperoni, bell peppers, and onions.

Bake for 10-15 minutes, or until the cheese is melted, bubbly, and starting to brown at the edges.

Let cool for 3-4 minutes before serving to allow the cheese to set slightly.