Theoretical physicists always proclaim portentously that the singularity at the centre of a black hole "is where our laws of nature break down" which sounds to me like another way of saying "we don't know the answer."
But as no physical process is ever absolutely instantaneous (I think,) surely the collapsing matter gets smaller and smaller while slowed down by ever increasing density so it never quite gets to the singularity and the process continues to infinity.
Eg if you keep dividing 1 by 2 you'll never get to zero.
Cheerz
GIANπ
(I've no science qualifications beyond gcse maths n physics grade C, so pls be gentle with me.)