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.

Daughter accepting zakaat to pay her father's hospital bill

Q: We have a patient that is seriously ill and unconscious. The patient was taken to a government hospital. However, proper treatment was not provided. The people of the community want to help the patient by getting him admitted to a a private hospital where he will be given proper treatment. The hospital bill will be paid with zakaah. However the patient is unconscious and the daughter has jewellery worth R36000, will it be permissible for the daughter to accept the Zakaat on behalf of her unconscious father?