What technique are you using when you stop?
If you immediately grab a handful of brake you are just asking to lock up the front wheel. I have had more than one friend learn that the hard way.
I know it is hard to do but even in those someone pulled out in front of me moments you have to train yourself to gently squeeze the lever at first. This causes more weight to transfer to your front wheel allowing you to squeeze more brake without locking up. Keep in mind debris, oil and water change this too.
Find a parking lot and try to stop at progressively shorter distances. Has to be reflex.
How many fingers do you brake with and what tire do you use?