Blend ground beef through black pepper well, adjusting breadcrumbs as desired – take care not to overmix.
Cut cheese into a log about 3/4 to 1 inch square – it should be about 3/4 to 4/5 the length of your meatloaf. Flatten meat and wrap around cheese, shaping into an oval loaf. Take care to pack evenly and seal any cracks that form to hold the cheese inside.