Which of the following is a function of a debt management company?

A debt management company's primary function is to assist clients in negotiating debts. These companies work with individuals who are struggling with debt to develop a plan to repay their obligations. By negotiating with creditors, debt management companies can often reduce the total amount owed, lower interest rates, or establish more manageable payment plans. This process can help clients regain control of their financial situation and work towards becoming debt-free.

While personal investment accounts and offering loans relate to other financial services, they do not fall under the typical functions of a debt management company. Helping clients manage credit scores could be a service offered but is usually part of broader financial counseling rather than a core function of debt management. The essential purpose of these companies is their expertise in debt negotiation and repayment strategies, making the correct answer particularly relevant to their main activities.