I'm almost certain that you have it backwards. If a person was going into a black hole, or being engulfed by one, time would be relatively the same for them. Let me explain.
Say Bob was on Earth and Stan was somewhere in the Universe approaching a black hole, holding a digital clock. Also, assume that Bob is watching Stan through a telescope back on Earth where he is able to see the clock clearly. As Stan approached the black hole, the clock would slow down until Stan got to the "edge" of the black. As Stan went into the black hole, time would stop for Bob back on Earth - meaning Bob would forever see Stan right on the edge of the black hole, completely frozen, even though his particles have exploded in all directions as another poster mentioned.
Physicists and astronomists theorize that as light enters a black hole, there is a very small disk of light surrounding the black hole. Of course this is a theory, explained above in my analogy, and hasn't been seen. But that is my understanding of time and a black hole