are your rotors shiny or dull? You may just need a turn and buffing or replacement of the pads.
shiny rotors and glazed pads will squeak like crazy when you're stopping. Keep in mind brakes that are worn far enough to allow the "squeakers" to touch the rotor will only squeak when the brakes are not being applied... that's how it is supposed to work anyway. In the real world, your pads will be glazed if there's anything left and the rotors will be shiny.