Preheat oven to 325 degrees F. Pound chicken breasts to flatten. Place 2 slices of ham and 3 cubes of cheese. Roll up. Dip in milk and roll in bread crumbs and pepper. Insert toothpick to keep rolled together. Place in a pan, cover with foil, and bake for 45-60 minutes.
Melt together over medium heat (except for the sour cream) on the stove until everything is mixed and melted together. Then add the sour cream