Ken Doyle: flute, tin whistles, lead vocals. A native of Chattanooga, Ken holds a degree in instrumental music performance from Samford University.  He has performed throughout the Southeastern US as well as in England, Ireland, France, and Germany, including solo performances at the Paris Conservatory, and the Ludwig-Maximilians Universität in Munich. Ken has been playing traditional Irish music on the wooden flute, tinwhistle, and bodhrán since 2004, however his love and fascination with the music began many years earlier.  Ken is a regular participant in the Chattanooga Irish Session, collects beer bottles and coffee mugs, and enjoys fantasy literature.

Mark Pitner: bouzouki, guitar, mandolin. Also a native of Chattanooga, Mark started playing guitar from the "Roy Clark Big Note Guitar Songbook" at the age of 12, then studied at the Cadek Conservatory of Music at the University of Tennessee at Chattanooga.  In 2003, Mark attended Victor Wooten's Bass Nature Camp where he learned from some of the most highly respected bassists in the world. Mark has loved Celtic music all of his life, and began playing and immersing himself in traditional Irish music in 2006.  He is a regular participant at the Chattanooga Irish Session, a connoisseur of finely crafted beer, and he has a cat named 'Bootle' who loves getting fan mail.

Casey Phillips: tenor banjo, fiddle. The only non-native Chattanoogan in Pay the Reckoning, Casey is an entertainment journalist formerly from the great white north (Knoxville, Tenn.). He began studying the classical viola at age 9. At 15, he simultaneously discovered plectrum instruments and traditional Irish music, both of which he became enamored with. He began performing with his local session in Knoxville shortly thereafter. In the intervening years, he has performed in sessions around the country and internationally, including in Nashville, Albuquerque, New York City, Ennis, Co. Clare, Ire., and Mannheim, Germany, He is now a regular participant in the Chattanooga session. He is a video game fanatic, movie junkie, avid reader and all-around geek extraordinaire. Also, he really likes jogging, cooking and puppies, but not at the same time.