Every time you sub divide ANY mesh it will quadruple the poly count. 1 poly will become 4. and 1,000 polys will become 4,000, so on and so on. There is no way to change that or get around it without manually sub dividing only specific parts of the mesh and not the entire thing.
So for example, if your mesh in max is at 7,000 x 4 = 28,000 x 4 = 112,000 x 4 = 448,000 x 4 = 1,792,000 x 4 = 7,168,000 polys which is over your limit. 7,000 is a bad starting place for you. 
Basically what you need to do is some pre planing. Take the maximum poly limit that zb can handle for you, so like 3,000,000 and divide it be 4.
So 3,000,000 /4 = 750,000 /4 = 187,500 /4 = 46,875 /4 = 11,718 / 4 = 2,929
So that means you should either start with about 3,000 polys or a mesh that is closer to 12,000 polys in order to end up with about 3,000,000 polys.
Or just manually sub divide speicific areas of your mesh that need more detail and not the entire thing.
good luck 