I wonder what the process of black hole radiation is, because I don't think it is Hawking radiation, although I would bet that the HR equations are pretty close at predicting rates etc.
I think that the ball of matter collapses, but the collapse slows right down due to time dilation.....I think it would be interesting to see how matter that densely packet behaved(mass of a star the size of a tennis ball, maybe)...I think it must bubble off, or shoot off particles, and radiation that would look like HR.