Preheat oven to 350°.
Melt butter in skillet over medium heat; cook onion and garlic for 5 minutes. Season with salt and pepper; reserve.
Mix beef, bread, crackers, egg, sour cream, ½ can of tomato sauce, and Worcestershire. When thoroughly mixed, add onion and garlic mixture and toss well.
Gradually stir in milk until mixture can be formed into a loaf. Use a 5x9 loaf pan for best results
Bake in preheated oven for 40 minutes then increase oven temperature to 400° and bake for 15 minutes more.
Make a topping for the meat loaf of ketchup and remaining tomato sauce. Pour over the top of the loaf then bake for 10 more minutes at 400°. Total baking time is 65 minutes.
YMMV ovens are very different. If you have a meat thermometer, internal temperature of the loaf after the first 40 minutes should be about 160°. If not continue baking until it is, then continue following directions.