Heat oven to 375°. Spray two 14-ounce shallow oval casseroles or rectangular baking dish, 11x7x1 1/2 inches, with nonstick cooking spray. Mix cottage cheese, 1/2 cup Monterey Jack cheese, the tomato, onions, chili powder, salt and garlic. Spread about 1/3 cup of the cheese mixture on each tortilla. Roll up tortillas; place seam side down in casseroles. Spoon taco sauce over tortillas; sprinkle with 1/4 cup Monterey Jack cheese.
Bake uncovered 15 to 20 minutes or until hot and cheese is melted.