I have a question about someone falling into a black hole. General relativity predicts that the reference frame of an object falling into a black hole will reach the singularity in a finite amount of time. However it also predicts that the reference frame of an observer outside the event horizon will never observe the object crossing the event horizon. From what I understand, in the outside reference frame the object ACTUALLY never falls into the black hole (the fact that the time light takes to reach the observer approaches infinity as the location of the object at emission approaches the event horizon although a good explanation of this phenomenon is not the one general relativity predicts). However, taking Hawking radiation into account makes the black hole decay and evaporate in some finite amount of time. My question is what happens in the observers reference frame when the black hole evaporates? Does the object just dissapear (as would be the case if the above explanation were true)? Or does the object remain intact?