Originally Posted by ///M3THOD
So wheel and brake rotor need to come off?
I tried jerking on the handbrake really hard remedy if it was and e-brake spring or some jazz like that... nada
It does sound like a pebble is stuck in the dust shield.
If you take the wheel off you should be able to have enough room to get at the dust shield. The dust shield is fairly flexible so you should be able to pull out the bottom enough to see if a rock falls out.
If that doesn't work then you may need to remove the caliper/rotor.