---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-24-014503"
form_type: "8-K"
ticker: "ZIVO"
cik: "0001101026"
company_name: "Zivo Bioscience, Inc."
filed_at: "2024-11-15T23:59:59+00:00"
generated_at: "2026-05-29T23:35:22.468606+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Zivo restructures $277k debt into unsecured notes payable over 24 months at 1%

## Summary
- Debt Settlement Agreements with three creditors executed on Nov 12, 2024.
- Total principal $277,254 via notes to Howard Shapiro ($185.5k), Merger Masters ($40.3k), Financial Trading ($51.4k).
- Notes bear 1% annual interest, payable in 24 equal monthly installments starting Nov 30, 2024.
- Prepayment permitted without penalty; customary events of default apply.
- Restructuring converts existing obligations into unsecured promissory notes.

## SEC filing metadata
- accession: 0001654954-24-014503
- form_type: 8-K
- ticker: ZIVO
- cik: 0001101026
- company_name: Zivo Bioscience, Inc.
- filed_at: 2024-11-15T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1101026/000165495424014503/0001654954-24-014503-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101026/000165495424014503/zivo_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-24-014503
- JSON: https://secwatch.observer/filing/0001654954-24-014503.json
- Plain text: https://secwatch.observer/filing/0001654954-24-014503.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.