If it is grinding it is already too late. Plan on replacing rotors, and count yourself lucky if your current ones are still usable. I did this with my old Tempo. Since I knew the front rotors were shot, and the pads were getting close, I just let it go until it was necessary. It started making noise, and I replaced the brakes that weekend. 4 days of low mileage light city driving, and the rivits holding the pad on had already gone halfway through the side of the rotor. That experience taught me, when it starts making noise like that, it is already too late.