From what my non-scientifically-trained mind understands, matter typically enters a black hole via getting caught up in the accretion disc going faster and closer to the black hole until it passes the event horizon, the point of no return. Using Earth as an analogy for a black hole, I assume the accretion disc would orbit around the equator, similar to Saturn's rings, and the matter might eventually crash into Brazil or somewhere along the equator?
My main question is, can matter simply do a straight shot into the black hole at a higher latitude, say straight into New York City, avoiding the disc altogether?
As you can probably tell by my simplistic analogy, I am a complete layperson. While fancy jargon and artistic looking equations might be expected (which is fine), please also dumb it down to an average intelligent business administration major's level of scientific understanding.