sounds like metal to metal to me... why not just take off the wheel, caliper and give it a look.. the tell tale part of this is the rotor with marks of grinding on it.. before you take it off, why not just get two new rotors, auto zone
for $25.00 each and go to dealer or someplace else and get some decent pads and a tube of high temp. brake lube for the pins.. and two cans of brake cleaner and change the rotors and pads.. give them a good leaning and put the new stuff on.. oh, you might want to get a spray can of anti brake squeel for the back of the new pads...
hope this helps.