In large bowl, put the bread crumbs, onions, pepper, garlic, the Worcestershire sauce, red hot sauce, make a well in the center break the egg, meat and ketchup. Now is when it gets messy -- you want to mix all the items together.
Put meatloaf mixture in a greased pan. Smear the topping mixture on top. Place in the preheated oven.
Bake for 50 minutes. When that is done, take out the meatloaf. If you want to, place 1/2 cup of shredded cheddar cheese on top. Bake till the cheese is melted.