Noise in brakes could be a lot, Depends on car, age, milage, road surface.
It could be Brake pads, It could need pads and disc's, It could be just a build up of brake dust and in the damp weather like now has clumped together and is making the noise or it could be a stone behind a calliper touching the disc when brakes applied. Best thing to do is as your afraid of being ripped off, Bring to a garage ask them to take a look and see while you wait, get the price of it, if it sounds expensive say no or ask to have a look and see and bring it some where else and see if they give you the same story. What type of car and year and milage are you at?