"Frozen in time" is a observer-dependent (hence coordinate-dependent) statement.
To give a purely spatial analogy: Say, I have a {xy}-frame and I move solely along my x-axis. I'd say I'm not moving in the y-direction, so "I'm frozen in the y-direction" if you want to rephrase this poetically. But another observer using a {x'y'}-frame which is e.g. just a rotated version of my {xy}-frame would probably say I'm moving in both the x' and y' direction.
Similary, if I'm standing outside a black hole and use my t-coordinate to describe the motion of an infalling person, I'll say that as the person reaches the horizon, the time t elapses more and more slowly. However, this person himself uses a different time coordinate t' (often denotes as the eigentime tau), and t' doesn't stop flowing at the horizon.