Melt the butter in a medium saucepan over medium heat.
Soften the chopped onion in the butter for 4 to 5 minutes.
Stir in the minced garlic and cook 30 seconds until fragrant.
Pour in the milk; add bay leaf, nutmeg, and cloves. Bring to a gentle simmer, not a boil.
Stir in the breadcrumbs. Cook, stirring often, until thick and creamy, 6 to 8 minutes.
Remove from heat. Stir in cream, then season with salt and pepper. Thin with a splash of milk if needed.