To find out how much money Victor owes at the beginning of January, we need to determine the value of the function \( f(x) \) when \( x = 0 \), since \( x \) represents the number of months after January.
Using the function:
\[ f(x) = -35x + 2500 \]
Plugging in \( x = 0 \):
\[ f(0) = -35(0) + 2500 \] \[ f(0) = 0 + 2500 \] \[ f(0) = 2500 \]
So, at the beginning of January, Victor owes $2,500.