Cheeseburger Meatloaf

Name: Cheeseburger Meatloaf
Ingredients: 1 lb lean ground beef; 3⁄4 cup uncooked regular oats; 1⁄2 cup milk; 2 tablespoons minced onions (if you like onions use more); 1 -2 minced garlic clove (more or less to your taste); 2 tablespoons minced green peppers; 1 large egg (beaten); 1 teaspoon Worcestershire sauce; 1⁄2 teaspoon salt; 1⁄4 teaspoon dry mustard; 1⁄4 teaspoon pepper; 1 (12 ounce) bottle chili sauce (use as much or as little as you like); 3 packaged cheddar cheese slices, cut into 1-inch strips; 4 -6 slices crispy bacon (optional)