Giving zakaat to people in debt

Q:

1. Can zakaat be given to a person who has debts?

2. There are people who live a better standard of living than me. They have better cars, better clothes, go on holidays, better household items, etc. than me but they have debts due to which they are below the nisab threshold. Can I give my zakaat to them?

Accepting zakaat if one is in debt

Q: I live in the UK for the last 14 years. I had a very difficult time till 2017. I did not have any reasonable job till 2010, then with Allah's blessings I started working as a taxi driver and paid off some of my debts. Allhamdulillah, now I have a decent job and a regular earning but I still owe a big amount (£75,000) to my family and friends which I am finding very hard to save to pay. We do have gold, just over the limit of zakat but not enough to pay off any significant amount of the money.

1. Do we need to pay zakat on the gold we have?

2. Can we get any financial help to pay off this amount we owe to family and friends? We don't owe banks much, apart from our mortgage as I have already paid off around £30,000.

3. Please guide me in this difficult situation.