She was the first of seven children born to her parents. Her paternal grandparents were both raised as Quakers (Society of Friends) but after their marriage converted to the Church of the Nazarene. Her paternal grandmother was a Church of the Nazarene Sunday School teacher for upwards of 50 years. Her father's cousin, the Rev. Russell Butler, was a longtime Quaker pastor in Indianapolis. On her maternal side, Cumbey's mother, Margaret, as well as an uncle joined the Seventh-day Adventist Church as adults.
She graduated from the Detroit College of Law, now known as the Michigan State University College of Law in 1975 with a Juris Doctor degree. Prior to her graduation she served as a legislative analyst to speaker of the Michigan House of Representatives, William A. Ryan from 1969 to 1970. In 1971 she was selected as one of 24 National Urban Fellows finalists in a national campaign to find promising urban administration talent.
Cumbey has been a practicing attorney since 1975, has served as a national officer for the National Association of Women Lawyers, and was before writing her books, an active a member of the American Bar Association. Since returning to the active practice of law in the 1980s, she is an active member of the Macomb and Wayne County Bar associations as well as the mandatory State Bar of Michigan affiliation. She was appointed in 2003 to serve a three year term by the president of the State Bar of Michigan, Tom Ryan, to plan future State Bar meetings. She has continuously been re-appointed to the Public Advisory Committee of the State Bar of Michigan since 1978. They rate judicial candidates for Wayne County and statewide for the Michigan Court of Appeals and Michigan Supreme Court.
From 1992 to 2004, she hosted a popular Detroit radio program known as Law Talk on a Christian station. She does frequent national and international radio interviews, i.e., Israel National Radio, on various topics. She currently hosts an internet radio talk show on www.TheMicroEffect.com and is a columnist for www.NewswithViews.com.
Cumbey's work is presently in the process of archival by the University of Michigan's Bentley Historical Library. She has been listed in Who's Who in America and Who's Who in the World since the 1980s. She has also been listed in Who's Who in American Law
Cumbey's book, The Hidden Dangers of the Rainbow, was one of the earliest writings from a fundamentalist Christian perspective concerning New Age spirituality. Her rejection of New Age spirituality was based on her understanding of Christian teachings regarding the role of Christ as saviour, and of Biblical prophecy. She has also promoted several conspiracy theories in her writings, including the claim that the European Union's foreign policy chief Javier Solana is the Antichrist.