Ok, so even if it "falls down", it will probably evaporate way before it even reaches the center. Even if it doesn't, it will be take A VERY LONG TIME for it to get big enough to eat the planet out or whatever.

It is very VERY difficult to make something fall inside a black hole. Mostly, stuff just zooms right past it at incredible speeds.

The earth would be consumed by the sun way before it gets consumed by a black hole.