The San Antonio Symphony has only $20,000 in its bank account. And it is meeting with creditors as it tried to reorganize in bankruptcy court. “The symphony hopes to be back in operation as early as November, December or January, and people who bought tickets for the 2003-2004 season will see those tickets honored. But first, the symphony and its musicians must settle on an employment contract. The symphony owes $228,000, or about three weeks’ worth of payroll, to its musicians under the old contract, which expired at the end of last season.”