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If Victor starts paying off his credit card in January, then the amount of money he owes at the beginning of January will be denoted by f(0).
Plugging in x = 0 into the function f(x) = -35x + 2,500, we get:
f(0) = -35(0) + 2,500 = 0 + 2,500 = $2,500.
Therefore, Victor owes $2,500 at the beginning of January.