I'm not aware of a limit on the number of TABLES, but I know there is a limit of 255 FIELDS in any one query or table.
The Access Help file does have information on limitations, but it is very obscure. In Access 97, read the general topic on Indexes for some information on limitations.
In your particular case, my suggestion would be to break the query down into a number of discrete queries, and then join those queries to achieve your final result. Twenty tables in one query must make it V-E-R-R-R-Y hard to read and edit.
HTH
Lightning