If you've got a little bit of wrench apptitude, checking your pads yourself is a breeze.
The front calipers are held on by 2 bolts each (either 12 or 14mm head, I can't remember which). Simple remove those 2 bolts, slide the calipers back, till they clear the rotors, and then pull them out sideways. MAKE SURE YOU DON'T TOUCH THE LEVER WHILE YOU HAVE THE CALIPERS OFF, OR YOU WILL HAVE TO RETRACT YOUR PISTONS. I don't like to retract the pistons unless I am putting on new pads, cause it usually damages the pads (my special tool for doing that won't fit my bike, so I use a big screwdriver).
There are grooves in the pads, that can be used as wear indicators. If the grooves are still fairly deep, then your pads are okay. Hose em down with some brake parts cleaner, and put it back together. If the grooves are shallow, or non-existant, then seek some assitance in changing the pads. Its not that hard, but there are a few tiny things you need to be really careful with.