Comment by PowerElectronix

I can't think of a way of getting a singularity. As soon as the mass in a region of space becomes high enough to start a black hole, time would freeze and it would take several millions universe lifetimes for the mass to fully collapse into itself, no matter how close of far the observer is to the mass. The way I see it, things would go on as usual inside the black hole, but there's a universal curtain preventing anyone from accessing the interior.